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South Kingstown, RI 02879

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Commercial Insurance in the Digital Age

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Most people are familiar with the standard types of commercial insurance that a business owner should have. This might include commercial auto insurance, workers’ compensation insurance, and general liability insurance. While all these policies are well-known and apply to most businesses, those who are running businesses in the digital age face threats beyond those that were faced in the past. How can the modern business owner protect themselves? Let’s take a closer look at commercial insurance in the digital age. Once you know which commercial insurance policies are right for you, you can start shopping around with our support at Capalbo Insurance Group LLC, serving South Kingstown, RI. 

Which Types of Commercial Insurance Should Online/Digital Business Owners Focus On? 

Standard commercial insurance policies are foundational. But what do you need to invest in beyond that to keep your modern business safe? Some great examples include: 

  • Cyber insurance, which is a type of commercial insurance that is designed to provide you with coverage in the event of a cybersecurity attack or data breach. 
  • Equipment breakdown coverage, which can be instrumental in a tech-heavy business where your equipment is crucial to the work that you do. 
  • Business interruption insurance. While this type of insurance is well-known, you could experience business interruptions due to digital reasons as well, which is why it’s crucial to have coverage. 
  • Specific policy packages, which will include all of the types of commercial insurance necessary for your business and are often advertised online (digital marketing insurance, e-commerce insurance, etc.). 

Emphasize Online Safety With Capalbo Insurance Group LLC

Safety and security are crucial in the digital age, and working with us at Capalbo Insurance Group LLC, serving South Kingstown, RI, can help you protect your business. Get in touch with us now to request a quote for commercial insurance.

How Regular Roof Inspections Can Prevent Major Insurance Headaches

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Your roof is one of the most important components of your home, protecting everything within it from wind, rain, snow, and debris. Unfortunately, it’s also one of the most neglected parts of a house. Having regular roof inspections can help prevent costly damage and frustrating insurance complications. At Capalbo Insurance Group LLC, serving South Kingstown, RI, we offer a range of coverage solutions, including home insurance to protect you when unexpected accidents occur.

Catching Problems Before They Get Worse

Even minor roof issues, such as worn flashing, loose shingles, and small leaks, can quickly lead to major water damage if left unchecked. Routine inspections, ideally once a year or after a major storm, can help identify these problems early on. This proactive approach preserves the integrity of your roof and reduces the risk of filing large claims down the road.

Maintaining Coverage Eligibility

Many homeowners don’t realize that insurance policies often exclude damages caused by neglect or lack of maintenance. If an adjuster determines that your leaky roof resulted from years of wear and tear, your claim could be denied. Regular inspection reports and maintenance records show that you’ve taken proper care of your home, which can strengthen your position if you ever need to file a claim.

Extending the Life of Your Roof

Professional roof inspections can also help extend the lifespan of your roof. By catching issues early and promptly completing repairs, you can delay costly replacements and keep your home protected year-round.

Get the Coverage You Need for Your Home

A well-maintained roof safeguards your South Kingstown, RI, property and provides peace of mind. Contact Capalbo Insurance Group LLC to discuss your coverage needs.

Having Trouble Getting an Insurance Policy? There’s a Solution for That!

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If you are a Rhode Island driver, you are required to purchase auto insurance. Many drivers in Rhode Island need assistance finding the best auto insurance policy. If you are in the South Kingstown, RI, area, our experienced professionals at Capalbo Insurance Group LLC can help you choose the right policy. We opened our agency in 2007 and have been proudly serving drivers like you ever since.

Having Trouble Getting an Insurance Policy? There’s a Solution for That!

While shopping for auto insurance, some clients may be turned down by several agencies. According to ValuePenguin, this can happen to drivers who have had multiple auto accidents or motor vehicle violations. These drivers may be designated as “high-risk” drivers, and some agencies may hesitate to insure them. However, Rhode Island has created a plan to provide coverage for high-risk drivers.

According to AIPSO, this plan is called the Rhode Island Automobile Insurance Plan. Established in 1952, it offers basic auto insurance coverage for high-risk drivers. To qualify, drivers must certify that they have applied for and been denied auto insurance within the past 60 days. Premiums for this plan are higher than average because the minimum liability coverage is greater than that of typical auto policies.

Call Us Today for Your Appointment

Our auto insurance policies are issued by major national insurance companies, ensuring that your policy will be an excellent choice. Each member of our team at Capalbo Insurance Group LLC is ready to help you design an insurance plan that works for you. Drivers in the South Kingstown, RI, area have discovered that our team provides outstanding client support. Call us today to schedule an appointment and let us help you get safely on the road.

Commercial Business Products Home Bakers Should Consider

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Turning your passion for baking into a home-based business is an exciting adventure. Between perfecting recipes and taking orders, it’s easy to overlook one very important ingredient: insurance. At Capalbo Insurance Group LLC, serving South Kingstown, RI, we work with small business owners like you to help ensure your home bakery is protected from the unexpected.

Why General Liability Still Matters at Home

Even if you’re baking out of your own kitchen, you’re still running a business. General liability insurance can help protect you if a customer claims to have become ill from your product or if an accident occurs during a delivery. These situations might feel unlikely, but it only takes one mishap to create lasting financial consequences.

Business Property Protection Isn’t Just for Storefronts

Just because you don’t have a retail location doesn’t mean you don’t have valuable business property. Your mixer, oven, and all those specialty tools add up. Business property insurance can help cover repair or replacement costs if your equipment is damaged in a fire or other covered event, even if it’s located inside your home.

Don’t Overlook Product Liability

When you’re selling food, there’s always a risk of someone having an allergic reaction or claiming your product caused harm. Product liability insurance is specifically designed to cover claims of this nature and can help offset legal costs or settlements in the event of an incident.

Get the Right Recipe for Protection

Running a home bakery takes heart, skill, and the proper support. Let Capalbo Insurance Group LLC, serving South Kingstown, RI, help you choose the commercial insurance products that make sense for your business. That way, you can keep doing what you love without losing sleep over what-ifs.

Adding a Shed? When to Let Your Home Insurance Know About Updates

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When it’s time to add value to your home or improve its functionality, it’s also important to inform your home insurance company about any changes. For example, adding a shed to your property can enhance its value and utility, but it’s also a valuable asset that should be protected from risks.

At Capalbo Insurance Group LLC, our team can help you modify and upgrade your home insurance in South Kingstown, RI, to match your needs better.

Why You Should Inform Your Agent

Most home insurance policies provide specific coverage for named structures on your property. If a structure is not attached to your home, it must be explicitly listed on your policy to receive coverage. For instance, an attached garage is typically covered under your homeowner’s insurance. However, a detached garage will only be covered if it was specifically added to your policy.

When you modify your home by adding a shed, detached garage, barn, or other structure, you’re not only increasing the value of your property but also introducing additional risks. To ensure these structures are protected, they must be named on your policy. If a fire or another covered peril damages the structure, compensation will only be provided if it is listed on your policy.

We can assist you in making the necessary modifications to your policy. Contact Capalbo Insurance Group LLC to discuss updating your home insurance in South Kingstown, RI to cover all your assets and minimize risks.

Insurance Verification Program

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If you’re a Rhode Island driver, state law requires you to carry auto insurance. Many drivers in Rhode Island have questions about their auto insurance coverage. If you’re in the South Kingstown, RI, area, our team at Capalbo Insurance Group LLC encourages you to meet with us for answers to your questions. Since 2007, we’ve been helping clients like you navigate their insurance needs.

Insurance Verification Program

Recent legislation has made it easier to verify auto insurance coverage in Rhode Island. The Rhode Island Division of Motor Vehicles has established the Rhode Island Insurance Verification System (RIIVS) to ensure compliance with the state’s requirement for active auto insurance policies. This online program matches the vehicle identification number (VIN) of all registered motor vehicles with an active auto insurance policy.

If a VIN entered into the system does not match an active auto insurance policy for four weeks, the system will send a notice to the registered owner of the vehicle. This notification, referred to as a Request for Insurance Verification, requires the owner to provide proof of insurance and comply with the conditions outlined in the letter. Failure to do so may result in the revocation of the vehicle’s registration, which would also prevent the owner from renewing their insurance.

Call Us Today for Your Appointment

At Capalbo Insurance Group LLC, our mission is to provide you with quality insurance at a reasonable price. We offer a wide range of insurance options to meet your needs. Clients in the South Kingstown, RI, area trust our locally owned company for its reputation for excellent client service. Contact us today to schedule an appointment and let us help you find the right insurance solutions.

What is commercial auto insurance and does your company need it?

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If you’re a business owner in Rhode Island, one of your responsibilities is to secure commercial insurance. Businesses require property and liability insurance to safeguard their business assets, as well as health insurance and workers’ compensation insurance for their employees. If your business is located near South Kingstown, RI, our team at Capalbo Insurance Group LLC can assist your business in selecting the appropriate types of insurance policies. We’ve been serving businesses in your area since 2002.

Commercial Auto Insurance

If your company owns vehicles used for business purposes, you must purchase commercial vehicle insurance for each of those vehicles. This includes box trucks, delivery vans, and food trucks. The key factor for coverage is that the vehicle must be owned by your company and used exclusively for company business.

According to Forbes, commercial vehicle insurance covers damages to people, property, or other vehicles in the event of an accident. To cover repairs to your vehicle, your commercial vehicle must have collision or comprehensive insurance under your policy. Forbes also reports that you can purchase gap insurance. Gap insurance covers the difference between the amount your insurance company will pay (in the event of a total loss) and the amount you may still owe on the vehicle.

Contact Us Today for Your Appointment

We are Capalbo Insurance Group LLC, a locally owned and operated agency with over 20 years of experience. Our team is dedicated to serving both commercial and residential clients. Businesses in the South Kingstown, RI area can trust that we will provide support and education about insurance. Contact us to schedule an appointment today and let us have the privilege of helping you protect your business.

There Really is No Place Like Home and No Better Protection Than Home Insurance

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The phrase "there’s no place like home" resonates with many of us, perhaps most famously uttered by Dorothy in The Wizard of Oz. It’s a sentiment that underscores why we invest in protecting our homes. That’s why many homeowners in the South Kingstown, RI area rely on the friendly and professional team at Capalbo Insurance Group LLC for all their home insurance needs. After all, there truly is no place like home.

There Really is No Place Like Home and No Better Protection Than Home Insurance

While homeowners may not have to worry about wicked witches or flying monkeys, the very real threats of tornadoes, wind damage, falling trees, and countless other risks provide ample reason to consider protecting your home. These are just a few reasons why it’s a good idea to discuss protecting your home with the right home insurance solutions with a local, reputable agent. For South Kingstown, RI area homeowners, it’s not The Wizard of Oz they call, but the team at Capalbo Insurance Group LLC, for the help they need to protect their homes.

Helping South Kingstown, RI Area Homeowners Protect Their Homes

If you own a home in the South Kingstown, RI area and have questions or would like to learn more about home insurance options, we can help. Contact us today to learn more and schedule an appointment with our knowledgeable and professional team of agents for the protection you need for your home.

Own Multiple Cars? Can a Single Policy Cover Them All?

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Our team at Capalbo Insurance Group LLC offers South Kingstown, RI drivers excellent car insurance that meets their needs. But what if you own multiple vehicles? Can you cover them with one policy? Let’s delve into this interesting and rewarding subject; you might learn something!

You CAN Cover Multiple Cars With One Policy

Short answer: Yes, you can bundle multiple cars on one policy. In fact, our providers strongly prefer this option to insuring vehicles individually! It just makes sense for both you and your insurer. Is there a limit? That depends on the company, but a good rule of thumb is about 4-5.

Why You Should Expand Your Coverage

If you own more than one car and want to cover them all with one policy, it’s definitely a great idea! Insurance companies offer many advantages to entice buyers into trying it: building that loyalty is worth it for most. What benefits can providers offer in insurance bundles? Things like:

  • Potential savings, depending on your policy provider, the vehicles you own, and your area
  • Easier payment plans, as you usually handle one lump sum for all your cars
  • Simpler protection because you can typically choose a single policy type
  • Better claim process because you don’t have to juggle multiple protection documents

These significant bonuses make bundling a wise decision. Even better: Depending on the provider, homeowners may package other protection types (such as home and life insurance) with their vehicle policy. Not sure if you qualify? It’s worth calling us today to find out!

Protect Your Vehicle With Us

Our Capalbo Insurance Group LLC team is more than ready to help South Kingstown, RI residents like you! Our skilled experts can help you choose excellent protection for your fleet of cars. Call us today to set up an appointment, and we’ll get you started.

Commercial Insurance Products You May Not Be Familiar With

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When it comes to protecting your business, commercial insurance is a must. Most business owners are familiar with general liability, property insurance, and workers’ compensation. However, other types of coverage are designed to safeguard your company from unexpected risks. At Capalbo Insurance Group LLC in South Kingstown, RI, we want to make sure you know all your options. Here are a few lesser-known commercial insurance products.

Cyber Liability Insurance

If your business stores customer data, processes payments online or relies on digital systems, it could be a target for cybercriminals. Cyber liability insurance helps cover financial losses related to data breaches, hacking, and other cyber threats. It can also assist with legal fees, customer notifications, and crisis management to protect your company’s reputation.

Employment Practices Liability Insurance (EPLI)

Even with the best policies in place, companies can face employee-related lawsuits. EPLI provides protection if your business is accused of wrongful termination, discrimination, harassment, or other employment-related claims. Legal defense costs alone can be significant.

Equipment Breakdown Insurance

A sudden mechanical failure could halt operations if your business depends on specialized equipment. Equipment breakdown insurance helps cover repair or replacement costs so you can quickly get back to business. This is especially useful for industries like manufacturing, healthcare, and food service.

Business Interruption Insurance

Disasters like fires, storms, or other unexpected events can temporarily shut down a business. Business interruption insurance helps cover lost revenue and ongoing expenses while the company recovers, ensuring its financial stability.

Your business is unique, and so are its risks. If you’re unsure whether you have the proper protection, Capalbo Insurance Group LLC in South Kingstown, RI can help. Contact us today to explore your options and safeguard your company’s future.

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