Customer Service Quality is our priority. We understand Insurance coverage is very important for every individual and business, and everyone deserves a reliable agency to assist your insurance needs. In our office, we treat every customer the same respect, disregard the premium amount. By providing you with innovative solutions to your insurance needs and personalized service, it is our goal to earn the right to be your insurance agent.
Calstar Insurance Agency offers you experience, skill, and innovation in arranging your business insurance needs. Whether casualty, property, employee benefits, or financial services. Contact us today to find out what we can do to help you choose the right insurance that fits your needs.
Calstar Insurance Agency offers you experience, skill, and innovation in arranging your business insurance needs. Whether casualty, property, employee benefits, or financial services. Contact us today to find out what we can do to help you choose the right insurance that fits your needs.
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What is homeowners insurance and who should buy this type of coverage?
Homeowners insurance is one of the most popular forms of personal lines insurance on the market today.
Almost anyone who owns or leases property has a need for this type of insurance.
And many times, homeowners insurance is required by the lender as part of the requirements in obtaining a mortgage.
How much should I insure my home for?
This is sometimes a very difficult question to answer.
The first thing to remember is that you are only insuring the physical structures.
Homeowners insurance is one of the most popular forms of personal lines insurance on the market today.
Almost anyone who owns or leases property has a need for this type of insurance.
And many times, homeowners insurance is required by the lender as part of the requirements in obtaining a mortgage.
How much should I insure my home for?
This is sometimes a very difficult question to answer.
The first thing to remember is that you are only insuring the physical structures.
What is included in an automobile insurance policy?
The standard private passenger automobile insurance policy can have up to four different coverages.
Cover the medical costs and lost wages for the party that you hit when you are at fault in an accident and deemed to be legally liable.
Usually in the form of a split limit such as $15,000 per person/$30,000 maximum per accident.
Basically this states that the company will pay each person up to $15,000 but a maximum pay out per accident of only $30,000.
The standard private passenger automobile insurance policy can have up to four different coverages.
Cover the medical costs and lost wages for the party that you hit when you are at fault in an accident and deemed to be legally liable.
Usually in the form of a split limit such as $15,000 per person/$30,000 maximum per accident.
Basically this states that the company will pay each person up to $15,000 but a maximum pay out per accident of only $30,000.
Workers Compensation insurance pays benefits to your employees if they are injured while on the job.
Specifically, it covers their medical bills, a portion of lost wages, vocational rehabilitation and death benefits.
Almost every state requires by law that employers carry some form of workers' compensation insurance.
Because the coverage amount is established by state law, benefits do not vary from company to company within the same state.
Protection against employee claims for pain and suffering and loss of relationship (except in North Dakota, Nevada, Washington, West Virginia, Wyoming and Ohio).
Specifically, it covers their medical bills, a portion of lost wages, vocational rehabilitation and death benefits.
Almost every state requires by law that employers carry some form of workers' compensation insurance.
Because the coverage amount is established by state law, benefits do not vary from company to company within the same state.
Protection against employee claims for pain and suffering and loss of relationship (except in North Dakota, Nevada, Washington, West Virginia, Wyoming and Ohio).
Perhaps one of the most important considerations when buying a business auto policy is to check the auto symbols.
These symbols define when and if vehicles are covered under your business auto policy.
Here is a list of the covered auto symbols.
Make sure you are aware of the symbols on your policy in case you buy or lease a new vehicle.
AUTO LIABILITY - Covers against Bodily Injury and Property Damage for which the insured may become liable.
MEDICAL PAYMENTS - Covers payment for injury to the insured and/or passengers in the insured automobile when a loss occurs.
These symbols define when and if vehicles are covered under your business auto policy.
Here is a list of the covered auto symbols.
Make sure you are aware of the symbols on your policy in case you buy or lease a new vehicle.
AUTO LIABILITY - Covers against Bodily Injury and Property Damage for which the insured may become liable.
MEDICAL PAYMENTS - Covers payment for injury to the insured and/or passengers in the insured automobile when a loss occurs.
The employment arena has become complicated and litigious.
The number of employment-related lawsuits has increased, and award levels are setting records.
USA Today recently estimated that there are more than 150,000 wrongful employment practices complaints currently filed at state agencies and the Equal Employment Opportunity Commission (EEOC).
The average damage award employers must pay in employment-related lawsuits is $650,000.'
Good human resource policies and well-trained managers help reduce the risk of employment practices-based suits.
The number of employment-related lawsuits has increased, and award levels are setting records.
USA Today recently estimated that there are more than 150,000 wrongful employment practices complaints currently filed at state agencies and the Equal Employment Opportunity Commission (EEOC).
The average damage award employers must pay in employment-related lawsuits is $650,000.'
Good human resource policies and well-trained managers help reduce the risk of employment practices-based suits.
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