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49 S County Commons Way F-3F
South Kingstown, RI 02879

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Commercial Insurance FAQs: All You Need To Know

Starting a new business can be exciting and challenging at the same time. Even if your company is relatively small, there are still many risks that you will face. As a business owner, you must constantly ensure that your precious investment and all your business assets are safe. It would be best if you also protected yourself and your employees. If you are currently shopping for business insurance but don’t know where to start, here are the answers to the most common questions about commercial insurance: 

Why should you even get insurance for your business?

As mentioned above, running your business is a journey full of risk. Anything can go wrong at any time. Commercial insurance will protect you from risks and help you recover without significant losses if things go wrong. Also, it will give you peace of mind so you can focus on your business tasks. 

Are there any factors that affect the cost of business insurance?

Yes, there are. It is important to know and consider them when shopping for a commercial insurance policy. These factors include the value of the company and assets, the number of employees, and specific risks associated with your industry. 

What type of commercial insurance should you get?

The choice of business insurance depends on your individual business needs. At a minimum, it is recommended that you have a business property and business liability insurance. You can always talk to an experienced insurance agent who will help you determine the best option. 

Are you a business owner operating your business in South Kingstown, RI, or any other nearby area? Are you shopping for commercial insurance to protect your company? Capalbo Insurance Group LLC is a local insurance agency with years of experience that is ready to assist you in finding a perfect business insurance plan. Do not hesitate to contact Capalbo Insurance Group LLC today to have coverage tomorrow. 

Strange Things Covered By Homeowner’s Insurance

You may think homeowner’s insurance is boring but necessary. However, some of the things that are covered by a standard homeowner’s policy are surprising or even strange. We offer homeowner’s insurance at Capalbo Insurance Group LLC in South Kingstown, RI. 

Spoiled Food

You may be surprised to learn that your homeowner’s policy covers the contents of your fridge. If you have a power outage, you may need to toss your refrigerated foods. The cost of this can add up quickly, but your insurance policy will cover replacing your favorite foods. 

Falling Objects 

Have you ever considered what would happen if a meteor fell from the sky and onto your home? How about a plane or satellite debris? You don’t have to worry about your home if an object falls out of the sky. Your homeowner’s policy will cover repairing or replacing your home. 

Theft and Vandalism 

If someone breaks into your home, you are covered. Your policy will cover any stolen or damaged items, and it may also cover changing your door locks. If your home is vandalized, you are also covered for any needed repairs. 

First Aid for Visitors 

If someone who doesn’t live there is injured on your property, your homeowner’s insurance will cover their expenses. This includes any first aid treatment they may need. 

Explosions 

We’ve all seen homes blow up in the movies. It’s unlikely to happen to you, but if it does, your policy will cover the costs of fixing your home or purchasing a new one. 

If someone sets off a bomb or a leaky gas pipe leads to an explosion, your finances are safe. 

Homeowners’ Insurance with Capalbo Insurance Group LLC

If you need homeowner’s insurance in South Kingstown, RI, contact us at Capalbo Insurance Group LLC. Our experienced agents are here to discuss your needs and help you select the right policy. 

For All the Unexpected Events On and Off the Road

It is said there are two kinds of drivers in the world: those who anticipate an accident at some point and those who confidently believe they’ll never have one. Nevertheless, a common thread weaves through these two distinct drivers—they both understand the crucial necessity of auto insurance, though for different reasons. If you reside in South Kingston, RI, the seasoned and hospitable team at Capalbo Insurance Group LLC has you covered with reliable auto insurance solutions.

Insurance for all Driver Types

There are those who drive with the firm expectation that an accident is an inevitable eventuality—these drivers seek auto insurance for the anticipated unexpected. On the other hand, there are those who opt for insurance for the ‘just-in-case,’ one-in-a-million chance of being in an accident. Regardless of the camp they belong to, such drivers grasp the steep expenses a car accident can incur, and the financial relief insurance can provide.

Insurance Solutions for All Accident Types

The reality is neither of these driver types is absolutely correct or incorrect. How secure a driver we are doesn’t provide an accurate prediction of whether we’ll end up in an accident. Similarly, car accidents can occur even when we are not behind the wheel, such as a tree falling onto your parked car.

Whether you anticipate an accident or not, costs will be incurred for repairs and damages when one occurs. Regardless of your expectations, accidents cost. Here’s where the committed team at Capalbo Insurance Group LLC can make a significant difference.

If you’re looking for auto insurance solutions in the South Kingston, RI area, contact us today. Ride with the assurance that your coverage meets your expectations, whatever they may be.

Increased Protection for Valuables Kept at Your Place of Business

Protecting Your Business Assets with Commercial Insurance

As a business owner, safeguarding your tangible assets is crucial, especially if they are valuable or vital to your operations. A comprehensive commercial insurance policy can do this by providing coverage for any valuable additions to your business setup.

Machinery Coverage

Machinery is often the lifeblood of a business, making its maintenance and protection essential. The high cost associated with its acquisition and replacement advocates for its inclusion in your commercial insurance policy. Document all the mechanical equipment in use and map out a coverage plan for them.

Computer and Electronic Coverage

Computers store sensitive data and crucial details indispensable to business operations. Similarly, other electronics support the machinery, lighting, and other essentials within your business setting. All these must be carefully documented and insured against potential damage or theft to prevent an abrupt disruption of operations.

Prioritizing Security

While insurance is crucial, it complements—not replaces—optimal security. Enhanced security measures such as installing a safe, security cameras, or other security options can prevent damage and theft. They also strengthen the overall resilience of your business.

Consultation with Capalbo Insurance Group LLC

Choosing the right commercial insurance coverage can be overwhelming. Luckily, you don’t have to navigate the complications alone. Our dedicated agents at Capalbo Insurance Group LLC are always ready to offer professional advice tailored to your specific needs. Let us help safeguard your business in South Kingstown, RI, with the best insurance coverage.

Home Insurance Myths: A Comprehensive Guide

The process of navigating a home insurance policy can be a challenging one. With the help of Capalbo Insurance Group LLC, South Kingstown, RI residents will receive all of the assistance that they need.

In a world where there is a wide range of home insurance myths, this comprehensive guide is here to shatter the most prevalent ones. 

Home Insurance Myths:

Renovations Will Have Zero Impact

If you are someone who is planning on making major renovations, these need to be discussed before any final decisions are made. Once you have established a policy, you will also want to review it each year so that you are not living without sufficient coverage. The size and scope of your projects will always matter in these instances.

All of My Possessions Are Protected

Nothing could be further from the truth. All of your possessions are not going to be covered, at least not automatically. There are limits to the typical homeowner’s insurance policy that need to be addressed. Don’t make the mistake of assuming that any and all losses that take place are going to be covered. You will need to pursue coverage that offers more specific forms of protection.

My Pets Will Be Covered

Pets are not automatically covered under a homeowner’s insurance policy. If your pet causes damage to the home and they are not specifically mentioned in the policy, the costs of repairing said damages will fall directly to the homeowner. If you are looking to remain protected from pet-related damages, this is a discussion that must take place before the policy is put into place.

South Kingstown, RI residents in search of the best home insurance policy have come to the right place. Contact the experienced insurance agents at Capalbo Insurance Group LLC as soon as possible. We will remove all of the guesswork from the home insurance selection process.

Why basic auto insurance may not be the right choice

Like most states, Rhode Island has a mandate about what type and amount of auto insurance you must have, at a minimum, to be legal to drive on the roads in the state.  At Capalbo Insurance Group LLC in South Kingstown, RI, we take our responsibility to our customers seriously. We make sure the auto insurance you have fits your needs and gives you adequate protection. 

Basic auto insurance in Rhode Island

Basic auto insurance in Rhode Island is 25/50/25. This is all liability coverage, and it protects other drivers from you in an accident. It provides $25,000 for injuries to one person, $50,000 for all injuries in an accident, and $25,000 for personal property. 

Why basic insurance might not be the right choice?

If you have an auto loan or are leasing a vehicle, you will not be able to get away with having basic auto insurance. The bank or the leasing company will require that you have complete auto insurance coverage to protect your vehicle. But what about if you don’t have a loan or a lease? Is basic insurance the right choice?

If you have an older vehicle with little value or you have access to another vehicle, then basic auto insurance is right for you. For the rest of us who count on our vehicle every day to get to work, take the kids to school, go shopping, and to the doctor, protecting our vehicle is vital. 

Beyond Basic

Collision coverage covers your vehicle when you are at fault in an accident. Comprehensive coverage provides protection from theft, vandalism, and many things that can cause damage. If you need your vehicle every day, you need this coverage to protect it. 

Consult With Us

Contact Capalbo Insurance Group LLC in South Kingstown, RI when you are ready to discuss auto insurance. We are here for you when you need us. 

Are businesses required by law to have commercial insurance?

You are not legally required to carry most kinds of commercial insurance for your South Kingstown, RI small business. However, insurance provides essential protection that can help your business recover if anything happens. Capalbo Insurance Group LLC can help you look at the different kinds of commercial insurance so that you can make an informed decision about which protections are right for you.

Workers’ Compensation Insurance

This is the one kind of commercial insurance your South Kingston, RI business is required to carry. As long as you have at least one employee, you will need to have workers’ compensation insurance so that your employee is protected if injured on the job.

General Liability Insurance

Even though you are not required to carry liability insurance, most businesses choose to do so anyway. A general liability policy will protect your business if someone has an accident on your property or is injured by your product.

Commercial Property Insurance

If you have a commercial lease, you may be required to carry commercial property insurance as part of the terms. Commercial property insurance protects your physical assets, such as your building, equipment, and inventory.

Business Income Interruption

You may need to purchase this kind of protection separately. If, for instance, your business is closed for several weeks due to a fire, business interruption insurance can help compensate you for the missed income.

Other Kinds Of Commercial Insurance

The kind of protection you need depends on what kind of business you have. Does your business use cars? Are you licensed? There are different kinds of insurance for those circumstances.

Consult With Us

Protecting your South Kingstown, RI should be one of your top priorities. If you have any questions about how commercial insurance can benefit you, please call Capalbo Insurance Group LLC today.

Do I have to keep my homeowners insurance after I pay off my house?

When you have a mortgage on your home, your lender makes sure that you carry insurance on the property. The bank has a vested interest in making sure that if anything happens, it can recover from the loss. If you are lucky enough to pay off your South Kingstown, RI home entirely, you may be wondering if it is worth it to continue to carry the same level of coverage as before. At Capalbo Insurance Group LLC, we will help you look at your risks and options so you can make an informed decision.

Rhode Island does not require you to carry homeowners insurance by law. However, if you decide not to carry insurance, you are assuming the risks yourself. If you suffer any losses, you will have to pay for them out of your own pocket. 

Typically, your homeowners’ policy covers:

  • dwelling coverage, which protects your house in case of fire or other events;
  • coverage for the other structures on your property, such as a garage or yard barn;
  • protection for all the items that make your house a home, such as furniture, carpeting, curtains, and large and small appliances;
  • electronics, such as TVs, stereo systems, computers, and even cell phones; and
  • personal items, such as clothing, books, and jewelry.

Your South Kingstown, RI homeowners insurance also offers liability protection in case someone is injured on your property. That includes potential medical bills and even legal representation if there is a claim. Also, if you are temporarily without a home while waiting for repairs or rebuilding, your insurance will help pay for temporary housing and food.

Schedule A Consultation Today

Don’t make any snap decisions without speaking to Capalbo Insurance Group LLC. We will help you find a policy that only covers what you need.

8 Quick Safety Tips For Night Driving

Regarding driver safety, the daytime is the optimal time to drive.  At night, you not only have to contend with darkness and things you cannot see but the glare from lights, rain of bugs on the windshield, and precipitation from the weather.

However, at Capalbo Insurance Group LLC in South Kingstown, RI, we understand that most of us cannot avoid the need to drive at night. 

Here are eight quick safety tips to prepare you for navigating the roadway at night:

1.  Wiping down your windshields before dark.

Apply a generous amount of window cleaner to your windshield and clean with a cotton cloth or old newspaper for the best results.  Doing so will eliminate glare from all external lights when driving.

2.  Don’t stare directly into oncoming headlights.

Staring into the lights of oncoming traffic makes it impossible to see when traveling at night.  So, focus on the edge lines to the side of the road when passing oncoming cars. 

3.  Get plenty of rest before getting on the road.

Drowsiness causes a frequent amount of automobile crashes after dark.  So, get plenty of rest when you know you’ll be on the roadway after dark. 

4.  Use high beams when necessary.

Because visibility is lower at night, don’t forget to use your high beams in dimly lit areas to avoid any debris or pedestrians in the roadways.

5.  Minimize the lights in your cabin.

Dimming the lights from your GPS, radio, instrument panels, and dashboard lights will eliminate glare on the windshield and help you see better when navigating the roads at night. 

6.  Drive at a slower rate of speed than you do during the day.

It only makes sense when driving with less visibility that you should go at a lower rate of speed when traveling at night.  If you drive upon something in the roadway after dark, you have less time to react and navigate around it. 

7.  Avoid two-lane highways when possible.

Two-lane highways at night almost guarantee you’ll face the glare of oncoming traffic.  So, try taking interstates and four-lane highways to improve night visibility and safety.

8.  Be watchful for wildlife, especially when traveling in wooded areas.

When night driving, you can spot wildlife on the side of the road because the glare of your headlamps reflects off of their eyes.  Look for their eyes and slow down when passing, especially if you see them coming toward the roadway.

Contact us today!

Most of all, you don’t want to drive at night without car insurance.  Call us today at Capalbo Insurance Group LLC in South Kingstown, RI to discuss insurance options and find the best coverage to keep you and your family secure as you travel the roadways.

Types of commercial insurance most businesses can benefit from

If you own a business, you already know how risky owning a business is. At Capalbo Insurance Group LLC in South Kingstown, RI, we are an independent insurance agency and can offer more choices since we don’t represent just one insurance carrier. We work for and with our customers to make sure that they have the right coverage. 

Types of commercial insurance 

Commercial property insurance

Commercial property insurance covers the physical location where your business is located if you own it, and it also includes the contents of the business with all the things you require to do business. The list of included things will be different for each business depending on what you actually do. For a store, it is inventory, cash register, display units, etc. For a manufacturing business, it is machinery, raw materials, office equipment, finished products, etc. With this insurance, you will be able to replace what was lost and get back into business. 

Commercial liability insurance

Businesses are vulnerable to getting sued. It is an all too frequent occurrence. Your business can be sued by a customer, an employee, or a vendor. If you lose the judgment the cost of paying it along with the legal costs could sink your business if you don’t have commercial liability insurance. 

Commercial auto insurance

If your business owns a vehicle, commercial auto insurance will protect it and you. Personal auto insurance will not cover your auto for business use. This could end up costing you enough to kill your business. 

Workers Compensation

All employers with 1 or more employees are required by law in Rhode Island to have workers compensation insurance. It is good for employees and employers. 

Consult With Us

When you need to discuss your commercial insurance coverage, you can call us at Capalbo Insurance Group LLC in South Kingstown, RI. 

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