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The Pivotal Insurance Agency LLC

217 West Main Street,
Louisa, VA 23093

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Business Interruption Coverage – How It Can Help

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You may not have contemplated what would happen if you were unexpectedly unable to operate your business for an undetermined amount of time. The loss of income could be devastating. Learn how business interruption coverage can offset issues that you are faced with during a temporary closure.

Interruption Impacts

Consider the impacts associated with a temporary closure. Your workers may need to be laid off temporarily. Sales within your place of business may stop. You may lose some of your customers, resulting in financial insecurity for the foreseeable future.

A business interruption could be due to damage to your business or property. If you cannot operate your business for the time being, business interruption coverage can provide the financial relief you need.

Existing Expenses

Business interruption coverage may handle your existing expenses. The coverage can be used to pay wages owed to your employees, fees owed to your vendors, and recurring bills you are responsible for paying.

Processes Needed To Reopen

Business interruption coverage will help you handle the processes that are necessary to open your business. If you are not going to be able to afford the out-of-pocket costs necessary to get your business back up and running, having this type of coverage can save the day.

It will allow you to handle your obligations seamlessly. Being able to do everything you need could ultimately support your desire to reopen your business in a timely manner.

Contact An Agent Who Serves Louisa, VA

Now that you have reviewed some situations where business interruption coverage would be helpful, contact one of our agents. An agent from The Pivotal Insurance Agency LLC will consult with you about your business plan. They will recommend business interruption coverage that will support your plan.

Four Ways to Protect Your Car When Commuting

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Commuting daily to your job can sometimes be stressful and potentially hazardous for both you and your car. Here are three ways to protect your car from unnecessary damage during your commute.

1. Activate Your Safety Features

Many newer car models come equipped with safety features that alert you when someone is in your blind spot or if you’re veering too far into another lane. Make sure these features are activated to avoid being sideswiped or accidentally bumping into another car. Backup cameras are also a great tool to help you see around your car for extra protection.

2. Use Your Horn

Your horn is crucial for alerting other drivers when they aren’t paying attention. If your horn isn’t working or is delayed, it’s important to have it serviced to ensure your car is safe when traveling.

3. Lock Your Car

Once you’ve parked at your job or school, make sure to lock your vehicle immediately. This simple action keeps your vehicle secure and your personal property safe until you return to your car.

4. Use a Sunshade

After commuting and parking your car for the day, use a sunshade to block the sun from your vehicle. This not only protects the car’s interior and keeps it cooler, but it also prevents people from noticing the property inside your car and attempting to break in. If you’re parked in the shade and using a sun shield, it can make it difficult to see inside.

If you’re looking for an auto policy in the Louisa, VA community or surrounding areas, contact us at The Pivotal Insurance Agency LLC today for more information.

Marine Storage Essentials and Their Effect on Your Insurance Policy

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Explore marine storage essentials that can help maintain your boat’s condition. Moreover, consider updating your boat insurance policy if necessary.

Secure Storage

Storing your watercraft securely can reduce the need to file an insurance claim. The importance of keeping your boat clean and dry can’t be overstressed. Look for secure storage that allows you to monitor your watercraft closely. A marina or similar establishment may rent storage spaces to suit your needs.

Storage facilities may offer options to help keep boats clean and dry. Some facilities might even offer climate-controlled units. This kind of storage can help conserve the condition of your boat’s paint and furnishings. Hence, secure storage is vital when your boat is not in active use.

Security Aids

Security aids can help safeguard your watercraft from theft and damage. Surveillance equipment and locking systems may be included in these security aids. If you decide to employ security aids when storing your boat, make sure to document all the items used for the boat’s protection.

When updating your boat insurance policy, report the security aids you employ. The security devices you use could directly impact the coverage you require.

Additional Concerns

Keep an inventory of all the items on your boat. Some items may be more susceptible to theft. Secure electrical equipment, navigational aids, and other valuable items diligently.

Insurance Assistance in Virginia

If you need assistance with boat insurance, contact our agents at The Pivotal Insurance Agency, LLC. Serving the Louisa, VA region, our agents are well-versed in boat insurance products and coverages. An agent can modify your current boat insurance policy as promised.

Three Reasons You Should Invest in Homeowners’ Insurance

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Your home is a significant investment, and you’ll want to take every precaution to protect that investment. But protecting your home doesn’t just mean installing a security system or locking up at night. It also means having the right homeowners’ in place to protect yourself financially. Let’s look at three reasons you should invest in home insurance from The Pivotal Insurance Agency LLC, serving Louisa, VA, and the surrounding areas. 

Property Damage

People mainly invest in this type of protection to provide a financial safety net if the home is damaged or destroyed. A house can sustain significant damage during natural disasters or fires. In some cases, homes may be lost entirely during these events. If there isn’t home insurance in place, a family would face huge out-of-pocket expenses to repair damage or replace their home. In a worst-case scenario, you might even find yourself homeless. 

Burglary Loss

Another risk that homeowners face is the loss of personal belongings through burglary. Not only will home insurance protect you from the financial loss of property damage, but it can also protect you from the financial loss of stolen belongings. If your home is burglarized and items are stolen, any items covered under your homeowner’s policy will be reimbursed to you. This can help you financially recover from this setback. 

Liability 

Homeowners are also at risk of personal liability if someone is injured on their property. If someone is hurt, you can be held legally responsible for their medical treatment expenses. This could be a significant expense depending on the extent of their injuries. A homeowner’s policy will help pay for these types of costs. 

If you’d like to learn more about homeowner’s insurance, please contact us at The Pivotal Insurance Agency LLC, serving Louisa, VA, and the surrounding areas. 

Commercial Insurance for the Risks Your Business Faces Today and Tomorrow

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No matter the type of company or the industry in which a business operates, no firm is safe from the risks and challenges associated with being a business owner. These risks and issues are a few reasons why business owners in Louisa, VA, choose the professional and trustworthy team at The Pivotal Insurance Agency LLC for all their commercial insurance requirements. Each business needs and merits the protection that commercial insurance provides, not just for the present but for the future as well.

Protecting Your Business Today and Tomorrow

When businesses are starting, they often encounter many common startup problems. As these startups and small companies grow, they begin to deal with new and varying challenges that come with success. Everything from increased revenue to larger client volumes or even the introduction of new products or services can bring about new risks and difficulties.

This advancement means successful firms need to ensure they have the necessary protection to tackle and manage any potential new risks. Thankfully, with an appropriate agency and commercial insurance plan, your company can be better equipped for foreseeable future successes and unseen risks.

Commercial Insurance Solutions in Louisa, VA

If you are a business owner in the Louisa, VA area and have queries or require commercial insurance, our skilled and knowledgeable team at The Pivotal Insurance Agency LLC can help. Every business has unique needs and faces various challenges and risks, including those your company encounters as it grows. Reach out to us to learn more and obtain the protection your business needs to face the challenges of success with the right commercial insurance plan today.

Benefits of Comprehensive Insurance

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You can breathe a sigh of relief when you add comprehensive coverage to your auto insurance policy. Especially if you worry about damages caused by hail or hitting an animal on the road at night. Additionally, comprehensive coverage sometimes handles damage due to vandalism and theft, depending on how the policy is written. The Pivotal Insurance Agency LLC team in Louisa, VA can help you expand your auto insurance to include comprehensive insurance.

What Does Comprehensive Insurance Cover?

This coverage typically handles damage that occurs when you swerve to miss a dog or other animal on the road and hit another object. It also covers damage to your vehicle due to non-collision events such as vandalism. To learn more about how specific policies are written, contact one of our competent auto insurance agents.

Reasons to Invest in Comprehensive Auto Insurance

The advantages of having this coverage include peace of mind that you have the money to pay for damage caused by vandals. Many comprehensive auto insurance policies also cover weather-related damage and reimbursement if someone steals your car. If you want protection from fire and flood damage or animal collisions, talk to your agent about how to include this in your comprehensive insurance.

Keep in mind that every policy is different, and you should always review changes with a licensed insurance agent. Many drivers add this coverage to pay for repair bills not covered by regular auto insurance.

Should I Add Comprehensive Coverage to My Policy?

Ultimately, that’s a personal decision. However, talking to your agent can help you weigh the pros and cons of adding comprehensive coverage to your auto insurance. Contact the team at The Pivotal Insurance Agency LLC in Louisa, VA today to schedule an appointment for a free quote or to discuss all your auto insurance needs.

Protecting Your Louisa Home: A Guide to Home Insurance from The Pivotal Insurance Agency

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When you buy a home in Louisa, VA, you think it and everything inside of it will be protected. That can be the case, but it requires a good home insurance policy. There are all sorts of things to think of when you get a policy, and at The Pivotal Insurance Agency LLC, our goal is to ensure it’s affordable and offers peace of mind.

The Basics of a Policy

Every home insurance policy is built to provide you with a few different forms of coverage:

  • Dwelling
  • Other structures on your property
  • Loss of use
  • Personal belongings
  • Liability coverage

This means that your home and everything inside of it are covered against a wide array of scenarios. Additionally, loss of use will cover the expenses involved in getting a hotel while your home is being repaired if it is not in a livable state.

Further, liability coverage protects you if someone gets hurt in your home or if someone from your household damages someone else’s property.

How to Customize Your Policy

While the basics sound like it covers everything, that’s not always the case. That’s why you have to consider what makes your home unique in Louisa, Virginia.

If you entertain frequently at home, you may want more liability coverage. If you have many high-value items, you may want additional coverage on your personal belongings.

Additionally, you may want add-on coverage for hail, a sewer backup, or other emergencies. You want to prepare for every worst-case scenario to file a claim confidently and know it’s covered. Plus, you want a deductible that you can afford so that your home can be repaired.

When you’re ready to start shopping for home insurance, contact us at The Pivotal Insurance Agency LLC so we can help.

Insurance Coverage for Marine Electronics

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If your boat is equipped with several electronic items, ensure that your existing boat insurance policy covers them. Guaranteeing that the electronic equipment is covered will provide you with peace of mind and prevent you from needing to replace damaged or stolen marine equipment yourself.

Your Policy

Review the marine electronics coverage that your existing policy provides. A comprehensive boat insurance policy often covers navigational aids and surveillance electronics.

Common Marine Electronics

  • GPS system
  • Fish finder
  • Telecommunication materials
  •  Camera and tracking devices
  • Alarm systems

Limits and Exclusions

Your boat insurance policy will contain a section highlighting the policy limits and exclusions. The policy limits will specify the coverage cap. If your marine electronics are more valuable than the cap, you may want to purchase additional insurance coverage.

The exclusion information that is featured in your insurance policy will specify any types of marine equipment that aren’t covered by the existing policy.

Insurance Add-Ons

Research some boat insurance add-ons that will provide you with supplemental coverage. If you own several pieces of electronic equipment that aren’t covered by your existing boat insurance policy, it will be in your best interest to purchase add-on coverage that will provide the equipment with the coverage you need.

The add-on coverage may protect against wind, rain, fires, theft, vandalism, and other events that could cause damage to your marine electronics.

Agency Assistance

Contact an agent who represents The Pivotal Insurance Agency LLC today. An agent who serves the Louisa, VA region will determine the exact type of coverage needed for the marine electronics installed on your watercraft. They will provide you with a revised copy of your boat insurance policy.

Home Insurance Essentials for Louisa Residents: A Primer by Pivotal Insurance

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Protecting your home in Louisa, VA, is of the utmost importance. While you may do everything you can to keep your home safe, your home insurance must also be carefully constructed. The Pivotal Insurance Agency LLC can ensure that you have a policy to rely on.

What a Home Insurance Policy Includes

A standard home insurance policy will cover quite a few things for a home in Louisa, VA. This includes:

  • Coverage for your home
  • Coverage for additional buildings on the property
  • Liability coverage
  • Personal property

Beyond covering those items, your policy will also provide you with living expenses in the event that your home is damaged so badly that you cannot live in it while it’s being repaired.

How to Personalize a Policy

As you explore policies to cover your home, you’ll want to consider how to personalize it based on what makes you and your home unique. For example, if you do a lot of entertaining, you may want to boost the liability coverage. If you have a lot of art or expensive valuables in your home, it may be necessary to increase the personal property coverage.

Taking the time to personalize the coverage levels will provide you with greater peace of mind and minimize out-of-pocket expenses when you do have to file a claim.

Consider Details with the Help of an Insurance Agent

While you may know that your home insurance should cover the entire value of your home, there may be some aspects of buying a policy that you are unsure about.

This is not the kind of policy for which you should guess on coverage. It is what will protect your home.

The Pivotal Insurance Agency LLC has experienced agents who can ensure you think of everything. Call us today to learn more about how we can help.

What’s new in commercial insurance?

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Understanding Commercial Insurance and Its Trends for Small Businesses

As a small business owner, you need to monitor global, national, and local trends and events as they can all influence your insurance coverage and rates. It’s critical to spot trends most likely to impact your business, discover ways to curb their effects, and confirm that commercial insurance coverage offers adequate protection. The dedicated team at Pivotal Insurance Agency LLC in Louisa, VA is here to help you find the best insurance options and tailor the coverage to your needs.

Manage What You Can Control

While commercial insurance offers protection when unfortunate events occur, it’s also important to consider risk mitigation. This involves taking steps to avoid those unfavorable events. Two trending commercial insurance areas—weather events and cybercrime—can be managed and risks minimized.

Preparing for Weather Events

Though Louisa isn’t categorized as a high-risk area for extreme weather, businesses should review their insurance coverage for wind, tornadoes, and floods to ensure they are adequately covered, particularly if they’ve recently upgraded their property or equipment. Undertaking a weather-related risk assessment and implementing suitable changes is vital for businesses in flood plains or similar areas.

Understanding and Mitigating Cybercrime

The occurrence and financial impact of commercial cybercrime are both on the rise. Digital intrusion can inflict as much damage as physical break-ins, so it’s a core business responsibility to manage your information resources to avoid damaging your operations and reputation. Cyber threat mitigation can even reduce your insurance premiums.

Work with Pivotal Insurance Agency LLC

Pivotal Insurance Agency LLC serves the small business community in Louisa, VA, and is ready to help you design an insurance plan to safeguard your business venture. We invite you to call us today at 540-967-8770 to discuss your commercial insurance options.