What Does Umbrella Insurance Cover for Your Business Needs?

Umbrella insurance is designed to help protect you when your liability coverage runs out for your company. But what exactly does it cover? At Wine Valley Insurance Services, let us show you how umbrella policies protect Napa, CA businesses like yours from serious liability issues.

What is Covered With your Policy 

Typically, umbrella insurance covers a broad range of liability issues that may occur on your business property. These include things like bodily injury expenses that go beyond your traditional coverage, harm caused by any animals on your property, and accidents by your delivery drivers. 

Importantly, these policies can protect against data loss, hacking, product failure, and other types of lawsuit situations. However, there are a few situations in which your policy may not cover you. Let’s break down a few of these possible scenarios to enhance your understanding.

What is Not Covered 

While your umbrella insurance will cover a vast majority of liability situations, a handful may not. These typically center around deliberate actions that you’ve taken that may counteract your claims. Even your traditional liability insurance won’t cover:

  • Personal injuries you may suffer on your business site 
  • Criminal action done deliberately by you or other workers 
  • Any assumed liability created via your contract 

This last element can be of benefit to you. For example, if your customers create a contract with you in which they assume liability, you may not need insurance protection at all. That said, some people may attempt to take you to court anyway, causing frustration and legal annoyance.

Take Control of Your Business Needs 

As you can see, there are many unique situations in which you might need high-quality umbrella insurance. We at Wine Valley Insurance Services can hook Napa, CA businesses with the most appropriate options for their needs. So please work with us to get the help you need to stay safe.

What is Umbrella Insurance, and What Does it Cover?

An umbrella doesn’t protect you from rain only. Umbrella insurance from Wine Valley Insurance Services in Napa, CA, gives you extra liability protection when facing significant claims. You may have a boat, home, or car insurance, but these coverages may fall short when significant lawsuits come calling.

What is umbrella insurance?

Like we mentioned, umbrella insurance kicks in when your conventional liability coverages are depleted. For instance, if you are involved in an auto accident, your car insurance first kicks in, and then umbrella insurance takes over when the car insurance coverage limit is exhausted.

It’s worth noting that umbrella insurance doesn’t exist on its own. It rides on prevailing coverages like auto, home and boat insurance. Besides, umbrella insurance is liability coverage, meaning that it doesn’t cover you or your property.

What does umbrella insurance cover?

Umbrella insurance covers you when other people accuse you of causing bodily injury and property damage. Besides, umbrella insurance covers you when you are accused of the below:

  • Slander
  • Malicious prosecution
  • Libel
  • False arrest
  • Wrongful eviction

Besides, umbrella insurance covers legal costs, including lawyers fees and settlement claims. If you are a landlord, you also need umbrella insurance to protect you from tenants’ actions.

Why do I need umbrella insurance?

Every day we participate in activities that put us at the risk of being sued. For instance, if you drive, go boating, or skiing, you can be sued for causing bodily injury or property damage to others. Given the ubiquitous nature of lawsuits, you need to safeguard your assets with umbrella insurance.

Buy umbrella insurance today!

Would you like to boost your boat, home, or auto insurance policy in Napa, CA? Please get in touch with Wine Valley Insurance Services for an affordable umbrella insurance policy.

Do I Need Home Insurance in Napa, CA?

Napa, CA — the home of wineries, stunning sights and views, and some of the most gorgeous homes in the state of California. If you’re a homeowner in Napa, you know how fortunate you are to live and play in California! At Wine Valley Insurance Services, we’re here to help you select the best home insurance for your home in wine country. 

In California, most mortgage lenders require homeowners to maintain a home insurance policy in order to get approved for a loan. While this is often the reason people invest in home insurance, it’s one of the best common-sense decisions you can make for your family’s peace of mind. 

What does home insurance provide me?

Homeowner’s insurance can protect you from a variety of unfortunate situations — from someone becoming injured on your property, your home being a victim of theft, a natural disaster destroying or damaging your home, or a fire destroying your personal belongings. These are just a few of the scenarios that home insurance can protect your home from. 

Your dream home in Napa, CA is probably something you worked hard for, pinching pennies and making sacrifices to be able to afford it. Don’t throw it all away by not bothering with home insurance because you don’t think you’ll ever need it. 

As one of the most valuable investments you’ll ever make, your home deserves to be insured and protected as such. Although you can’t predict what could potentially happen to your home, California has unpredictable weather patterns and it’s important to plan for anything to happen. 

If you’re interested in evaluating your current policy or want to build a new policy with updated coverage, contact Wine Valley Insurance Services. We’re here to help! 

Who Needs Renters Insurance in Napa, CA?

Who likes to spend money unnecessarily? No one. So, given this reality, it’s natural for someone to ask: do I really need renters insurance? Is it worth it? The fact is that you don’t need it unless something terrible happens! And like you know, bad things are part of life, and that’s why we need insurance anyway.

Have you rented a home or an apartment in Napa, CA? Do you doubt whether you need renters insurance? Here is who needs renters insurance, according to Wine Valley Insurance Services.

If your landlord requires it

While renters insurance isn’t a mandatory requirement in California, some landlords may require it. Why? Renters insurance cushions your landlord against liabilities that may arise from the tenant’s actions. For instance, one tenant causing bodily injury to another. 

If you own a dog

It might surprise you that even the most well-natured dogs can become aggressive at times. Unfortunately, dog bites can be expensive. According to Insurance Information Institute, it costs about $45,000 to settle an average dog bite claim! Thankfully, if you have renters insurance, it can take up much of this liability. 

However, keep in mind that renter’s insurance excludes certain breeds of pets.

If you have numerous personal properties

Don’t get me wrong — you still need renters insurance if you own modest properties. After all, it cost you money to accumulate the assets you have. However, if you feel like loss or damage to your properties would take up much of your savings to replace, that’s a good motivator for you to invest in renter’s insurance.

If you value peace of mind

When you have invested in a renter’s insurance policy, you don’t have to spend sleepless nights worrying about damage or loss of your property. Similarly, you can sleep soundly even when a covered peril destroys your rented dwelling. In all these cases, renters insurance got you covered.

Are you looking for renter’s insurance coverage in Napa, CA? Your search has ended. Would you please partner with Wine Valley Insurance Services for all your renter’s insurance needs?

5 Common Types of Auto Insurance

If you are on the market for auto insurance, you must understand the different policies. Auto insurance helps protect you and your passengers in case you get into an accident. Auto insurance is a legal state requirement, and it’s important to get the right one to save you from financial devastation from damages, injuries, and medical expenses. Wine Valley Insurance Services, Inc. provides auto insurance services to residents of Napa, CA.

Types of Car Insurance

Personal Injury Protection

This insurance may cover some medical expenses and income loss following a covered accident. Personal injury protection policies have limits, depending on which it covers a large percentage of expenses stemming from a covered accident to up to 80%.

Liability Insurance

Liability coverage is a legal requirement in most states, and drivers must buy at least the least amount of liability coverage as per the law. Liability coverage provides property damage and bodily injury liability in case of an accident.

Collision Coverage

Collision coverage comes in when accidents involve a vehicle collision with another vehicle or with things like fences. This coverage helps cater for repair costs and replacements to the car’s actual cash value minus deductibles.

Comprehensive Insurance

This coverage is helpful for when your car is damaged in a covered peril such as vandalism, theft, hail, or fires. Comprehensive insurance helps with repair costs and the replacement of cars where needed. It pays for car damages due to vandalism, accidents with animals, and certain weather events.

Uninsured/Underinsured motorist coverage

Accidents are unexpected, and you could get hit by a driver with no insurance or one who’s underinsured. In such cases, your auto insurance helps cater for medical expenses and car repairs in some states.

No matter how careful a driver you are, accidents happen, and when they do, they cause a lot of financial and emotional stress. Having the right auto insurance helps protect drivers on the road. If you are shopping for a car insurance policy in Napa, CA, contact Wine Valley Insurance Services.

Do You Need Umbrella Insurance in Napa, CA?

Insurance is your protection for your financial security. Auto insurance covers automobile accidents. Flood insurance covers your home for flood damage should you experience a flood. Wine Valley Insurance Services, serving Napa, CA, and the surrounding areas can point you to the right umbrella insurance based on your situation.

What is umbrella insurance? 

As its name implies, umbrella insurance is there when you have unexpected "rainy days." Some examples of that rainy day are:

  • Negligence cases against you in your business or home
  • Gaps in your current auto or other types of insurance
  • Fire insurance that may not cover all of your possessions in your home
  • Extra coverage for business insurance 
  • Auto accidents where injuries or damage to others is more than the limits of your auto insurance policy

How Much Does it Cover?

Policies always vary in the amount they cover, so make sure you read the fine print. But most umbrella policies tend to cover around $1 million initially for one case and up to $2 million total coverage. This is an amount that most insurers believe would cover the average negligence or liability case where the insurance you have in place will not cover the totals. 

Why Have it?

Umbrella insurance is the last type of insurance people usually think about. But it is needed if you have a risk to your business, property, or physical assets that cannot be replaced with the normal limits of insurance. Say someone falls on your property coming out of your business and you had no warning sign up that there was a slick place on the sidewalk. This might be considered negligence if it meets the legal standards of negligence.

Umbrellas insurance can kick in where your other business insurance leaves off, saving you thousands or hundreds of thousands of dollars in settlements and court costs. 

More Information 

If you are confused about whether to get umbrella insurance, turn to the professionals at Wine Valley Insurance Services in Napa, CA. They can show you how it could help you get added peace of mind to protect your property and assets while being secure in the fact that they are there when your other insurance is just not enough. 

Protecting Your Home From Pet Damage With Home Insurance

If you have bought a home insurance policy for your house in Napa, CA, it is fundamental to know the liabilities it covers. Your home may get damaged under various circumstances — the home insurance policy covers you, but it may not include the destruction of property by your pets. Wine Valley Insurance Services is the best option for pet damage insurance. Here are some guidelines to help you understand the best approach. 

Is It Necessary to Buy Pet Insurance?

If you keep pets under your roof, the damage that they can cause is unpredictable. That said, purchasing pet insurance is a wise idea. The policy covers injuries sustained from a pet attack or any accident. If your pet damages your property, the insurance compensates you as long as it’s up-to-date. 

Basics About Pet Damage Home Insurance

Some situations are accidental and may cause significant damage to your equipment. Without insurance cover, replacing or fixing damaged valuables can be an expensive process. Fortunately, your pet damage insurance comes in when such unfortunate events happen, compensating you for the losses you may incur.

Is My Standard Insurance Helpful When My Pet Causes Destruction?

Since your standard home policy does not protect you from property destruction caused by your pet, it makes sense to pay extra for such benefits. The primary coverage will likely cover some valuables, which may include electronics appliances. Inquire with your insurer to know what the policy covers and what it cannot compensate.

Your pet’s conduct may not be predictable, and that complicates the insurance process. Some pets have special training, while others have none. That way, the insurer may lack appropriate parameters to assess the level of damage they may cause in your home. All in all, you can buy a policy designed to compensate for any property destruction that your pets may cause in the neighborhood. Accidental damage pet cover pays any repair cost to the damaged valuables.

Visit our website today to reach Wine Valley Insurance Services and get all the answers concerning your pet insurance cover in Napa, CA.

Are pets covered under renters’ insurance?

Getting renters’ insurance helps cover the renter’s personal property and offers liability coverage should something in the unit become accidentally damaged. However, does renters’ insurance cover those who have pets? For example, does the insurance policy cover damage caused by pets, or does it protect the owner should the animal bite someone? Renters’ who are also pet owners need to know the answers to these questions and will find them by speaking to an agent at Wine Valley Insurance Services in Napa, CA. 

The short answer to “Are pets covered under renters’ insurance?” is “Yes.” Renters’ insurance will cover some types of pet damage and other liability incidents associated with the pet. However, it is not blanket coverage, and you must refer to your policy for specifics as to what is covered and what is not. 

Property Damage

Your insurance company will cover the costs associated with property damage that is not yours. For example, if your dog gets into a neighbor’s yard and starts tearing it up, the insurance company would cover the costs of the repairs. If you were found liable for the damage, it would be covered. 

Liabilities

Your renter’s insurance policy should your pet injure someone by biting or scratching them. The insurance coverage would include settling any claims against your insurance and court costs and related fees should you be sued. 

Coverage Limits

Renters’ insurance policies have recovery and coverage limits. Know these limits to understand how much will be covered should your pet cause damage or bite someone. If costs are more than the policy limits, you would be responsible for the excess. 

In addition to coverage limits, verify with your insurance company about available coverage for your type of pet. Some dog breeds or dogs with a history of aggressive behavior are not covered under renters’ insurance. Additionally, exotic pets are generally not covered either. 

Pet owners in Napa, CA, with questions about pet coverage under their renters’ insurance policy, should call an insurance agent. Do you still have questions or need renters’ insurance coverage? Call Wine Valley Insurance Services or visit their website today for assistance understanding pet-related coverage under a renters’ insurance policy. 

Is basic auto coverage ever enough?

California has almost 400,000 miles of roads. If you love to drive and see the scenic coastline, you can certainly get your fill in the Golden State. Before you hit the road, you must have the right auto insurance to make sure you are protected. At Wine Valley Insurance Services in Napa, CA, we have been providing service to residents for more than nine years and our team has a decade of experience. Our duty to our customers is to make sure you have the right coverage for you and your vehicle.

California requires drivers to show financial responsibility in the event of an accident. Most choose to do that with auto insurance. In California, basic auto insurance is pretty basic. The mandate is 15/30/5. What that means is if you have an accident and are responsible, your insurance will pay $15,000 for injuries to the first person with a total for the entire accident of $30,000. Since an emergency room visit can cost upwards of $10.000, you can see how inadequate that amount is. The property damage coverage is $5,000. With the average cost of a car $38,000, you can see this could leave you paying for thousands of dollars out of pocket. 

Additionally, basic coverage does not take your car into account. If you need your car to get to work or just to run errands you will be left to pay for any repairs by yourself. Most people are not financially equipped to pay thousands of dollars of auto repairs. If you have collision insurance it will pay for the repair minus a deductible. For other damage, comprehensive coverage can be a lifesaver. If you need a car, basic insurance just isn’t enough. 

When you are looking for auto insurance, Wine Valley Insurance Services in Napa, CA is here for you, at our office or on the phone.

Facts every new policyholder should know about umbrella insurance

Facts every new policyholder should know about umbrella insurance

Every day, we are looking for ways to safeguard our homes, family, and everything that matters to us.  We end up buying insurance policies for everything we own and forget about ourselves. Luckily, umbrella insurance is designed to protect you—the policyholder. It is a personal policy that protects you financially wherever you go.  If this policy is new to you, our insurance experts at Wine valley insurance Services can help you with the information you need to get your own policy. Here are a few facts every Napa, CA resident should know about umbrella insurance.

Umbrella insurance is not self-sufficient

Did you know that you cannot rely on umbrella insurance alone? One of the qualifications when applying for umbrella insurance is having a home and auto insurance policy. If you don’t have, you would need to buy them first before purchasing umbrella insurance which is only used as an extension to your current coverage.

Umbrella insurance is for everyone

Many people tend to assume that umbrella insurance is an expensive policy that can only be purchased by wealthy individuals. An umbrella policy is relatively affordable for anyone who wants extra coverage. We live in a litigious society where you can be sued for minor things. No one is above the law, and lawsuits can be quite expensive and messy.

It protects you and your family

Umbrella insurance is an all-around policy that protects you, your spouse, children, relatives, and anyone named on your policy. If you run a business, you can buy commercial umbrella insurance to protect you, your clients, and your employees.

Extends to your recreational vehicles

Umbrella insurance doesn’t stop at providing an extra layer of protection to your home and auto policies—it extends even to recreational vehicles and other toys. For instance, the umbrella policy extends liability over motorcycles, boats, and snowmobiles.

Looking to buy or need more information about umbrella insurance in Napa, CA?  Contact Wine Valley Insurance Services to learn more on how you can get a customized policy.