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Why Your Business Should Use an Independent Insurance Agent

Business Independent Insurance Agent

Leave your business insurance in the capable hands of an independent insurance agent.

Seeking out a business insurance policy can be a daunting task. After all, there are so many choices; it’s no wonder that consumers are overwhelmed with the sheer volume of information. Most businesses would agree that they need adequate coverage to protect their investment and finances, but don’t want to overpay for something they may or may not ever use. Instead of hopelessly scouring the Internet, simply instill the use of an independent insurance agent.

An independent insurance agent does not work for one particular insurance company. Instead, he or she sells insurance policies from several different companies. Working with this type of insurance agent instead of an agent who is affiliated with a particular brand can be helpful! Here are just a handful of advantages of working with this type of agent.

More Choices

Quite possibly the best benefit of working with an independent agent is that you will have more choices of insurance policies available to you. When you work with one insurance company, you will have limited insurance options. An independent agent, on the other hand, can show you options from a variety of insurance companies. In turn, this allows you to find the right fit of policy.

Save Money

Another advantage of using an independent insurance agent is that you will be able to save money! When you have more options available to you, you can find the right policy to suit your financial needs. The insurance agent will not try to make you focus on one brand, and will instead help you find the best deal.

Unbiased Advice

An independent agent works for you, the client, not the carrier. He or she represents a multitude of companies and products, and provides the consumer with options of coverage at competitive prices. He or she will also have worked with customers in the past and will have a good idea of which companies have the best track record when it comes to pleasing their customers.

Claims Handling

An independent insurance agent is with you every step of the way. If you need help filing a claim, you’ll be able to contact your dedicated agent. This will be a much smoother process once you have a trained professional on your side.

At Yorke Insurance Agency, we represent multiple carriers and are able to explore all of the best options to suit your business. We want to make sure that you have the coverage you need – it’s our job to help you! Contact us today for unparalleled business insurance in Beaver Falls, Beaver, and surrounding cities in Pennsylvania.

Safety Tips for Your Summer Drives

Tips for Your Summer Drives

Enjoy your summer drive by brushing up on useful safety tips.

Summertime is almost here! With the weather heating up and the days getting longer, many people will head on vacation, take some quality time off work, and enjoy the summer! While the crowds out and about increase, so does the traffic. The more people that are out, the more challenging it is for drivers. To help you keep your summer road trips safe, check out these safety tips.

People

In your neighborhood, on city streets, in parking lots, and near the beach, people are outdoors more often in the summer. Many are more focused on their enjoyment than on personal safety, too. Be aware that children will soon be out of school and may be playing in the neighborhood streets. It’s up to you to slow down in summer and stay alert.

Bicycles and Motorbikes

Summer is the perfect time to ride a bike – motorcycle or push! Pay attention to bikes approaching and take extra care in areas that attract cyclists.

Glare

The sun’s glare is especially bright in summer, making it harder for you to see what’s in front of you while driving. Always have your sunglasses handy when driving into the sun, and be ready to flip down the visor. Quite simply, if you can’t see what’s in front of you, slow down!

Heatstroke

Don’t forget about the dangers of parking! Even if you’re just popping out for a minute, it is never acceptable to leave a child or pet inside a locked car on a hot day. Anyone inside the vehicle is vulnerable to injury or even death from heatstroke. At an outside air temperature of 60 degrees, a car’s interior temperature can reach 110 within minutes. Take your child or pet in with you, and never risk it – even for a couple of minutes!

The team at Yorke Insurance Agency wishes you a happy summer drive! To help you stay safe on the roads, secure auto insurance that best suits your needs. We serve the area of Beaver, Beaver Falls, and neighboring cities in Pennsylvania. Ready to get started? Give us a call!

Steps to Smoother Growth for Small Businesses

Growth for Small Businesses

Entrepreneurs, learn how to grow your small business naturally.

As an entrepreneur, you’re constantly looking for opportunities to expand your business. After all, a few promotions here and a couple of emails there can make a big difference in the long run. But once you’ve exhausted these options, it’s time to step up your marketing game and grow your business organically.

All marketing requires some expense. But, do it correctly and you will see a significant return on investment, in both time and money. Here’s how to get started!

Ramp Up Your Social Media Activity

Social media is a huge leverage point for you if you need a low-cost marketing strategy. Believe it or not, but social media is about being ‘social,’ so get on there and start sparking relevant conversations, asking for feedback, and keeping your clients (and prospects) informed about your business. From Facebook to Twitter to LinkedIn, post a couple of times a day on each platform!

Build a Local Email List

No, you don’t need 100,000 email subscribers to be successful. A couple thousand or even a few hundred people on your local email list will give you a place to share your message and market to leads. As the email subscribers are all local, you’re able to build your authority in your immediate area before expanding far and wide. Make it easy for the customers to refer people to your list, and you’ll see the list grow!

Leverage Success Stories

Now that you have a list of subscribers and a social media plan, make it a priority to collect one to two testimonials a week and share these stories with your list and social media. Doing this over and over will build trust with your audience and allow you to leverage your success stories to market for you.

While you set up your new and thriving business, ensure it’s protected! Skip the search of finding the right, credible insurer to secure the right insurance for your business – Visit the team at Yorke Insurance Agency today! We help companies to secure quality business insurance coverage within Beaver Falls, Beaver, and surrounding cities in Pennsylvania.

How to Keep Your Home Safe While Away on Vacation

Tips for Leaving Your Home Alone

Before you jet set, take the time to prepare your home to be alone.

Whether you’re heading to a sunny destination or seeking the shade in museums and activity centers, many families, individuals, and couples are heading out on their summer vacations. But before you begin packing, you’ll want to brush up on these tips on how to protect your home while away.

Leave your plans off social media. We’re all sure you can’t wait to see the sights of Paris, and you’re itching to post your plans for Rome, but it’s important that you don’t spill the beans all over social media. Many people can see your statuses, and if someone catches the scent that you’re leaving for two weeks, it could spell trouble for your home.

Hide valuables. Do you have your collector’s edition items on display? If so, you may want to consider putting them away in the cupboard. Ensure that no high-value belongings can be seen from the street through windows and doors.

Ask a friend to check. Ask a trusted friend, family member or neighbor to swing by the house a couple of times a week to collect the mail, water the plants, and ensure everything is okay with the house.

Make it looked occupied. You want to ensure that your home looks like people are there! To achieve this, set lights on a timer to turn on in the evenings, and cancel your newspaper deliveries for the time while you’re away.

Review your insurance. Before you head out the door, look over your insurance policy to be sure that your valuables are covered and the limits are suitable for needs. If you’re not sure what to look for, talk to your insurer about obtaining the right coverage for your needs.

While you protect your home for your next vacation, find out how Yorke Insurance Agency can help. Contact us in Beaver and Beaver Falls in Pennsylvania for all of your homeowners insurance needs today.

What You Should Consider When Renewing Your Home Insurance Policy

Review before you renew your homeowners insurance!

The aim of insurance is to mitigate risk and protect you and your assets from any unforeseen circumstances. If your policy is up for renewal soon, it pays (quite literally) to set some time aside to review your current insurance. Even if you don’t realize it, your circumstances are changing all the time, and just one small change could have a huge impact on cost. Reviewing your policy can help you to determine whether you’re receiving the right level of coverage, too.

Here’s what to consider before renewing!

Is flood insurance coverage included? Flooding is not always included in a standard home insurance policy. But, with floods affecting many parts of Pennsylvania and with more wet weather to come this year, it’s something you should consider ensuring you are protecting yourself against.

Have you made any changes to your home? Renovations and additions can significantly impact the pleasure you get out of your home as well as your home insurance policy. If you’ve extended the kitchen, added new bathroom cabinets, or even installed a pool, you’ll need to reassess your policy. Your home’s value may have gone up, and your liability risks may well have, too.

Have you recently bought expensive items? Buying or selling your items of value will directly impact your home policy. Keeping your home inventory up to date is essential to ensure that your belongings are recovered and accounted for in the event of a disaster. If you’ve recently acquired family heirlooms, sold your expensive watch, or bought a new 3D TV, let your insurer know.

Setting time aside to review your insurance policy a couple of months before it is up will help to ensure you’re getting the right coverage for the right price. Visit the professionals at Yorke Insurance Agency to take care of your home and protect it all year round! Contact us in Beaver and Beaver Falls in Pennsylvania for all of our homeowners insurance needs today.

Steps on How to Make Your Teen a Better Driver

Steer your teen to safety by practicing these good driving habits.

Part of growing up as a teen in America involves learning to drive. While the basics and essentials are covered in Driver’s Ed, many parents want to ensure that their teen driver is comfortable and safe on the roads. To instill good driving habits into your teen’s driving practice, check out the following tips.

Be a good role model. If your teenage driver sees you on your phone while driving, cutting off other drivers, and making illegal maneuvers, don’t be surprised when they follow suit. The best way to subconsciously train your children into driving safely is to drive safely yourself. Be on your best behavior while they’re in the car by keeping to the speed limit, remaining focused on the road, and following the Highway Code.

Limit their passengers. Once your teen driver passes their test, it means one thing – freedom! Unfortunately, it’s best to limit who they drive in their vehicle and at what time, just until they feel comfortable on the roads. Teen drivers can be known for showing off in front of their friends by speeding or making risky moves. Furthermore, more auto accidents occur at night. Set a curfew as well as a passenger limit.

Refrain from distractions. Heavy conversations, texting, and fiddling with the radio all distract the driver in some way. Educate your child on the importance of remaining focused on the road. Anything that diverts their attention, hands, or eyes off the road should be prohibited.

Don’t drink and drive. Let your children know that there can be serious repercussions for drinking and driving. Driving under the influence is not only dangerous for the driver, but for the passengers and other vehicles on the road. Make sure that your teen understands why this is such an important rule to follow.

Safe driving habits and reliable auto insurance help your teen to stay safe on the road. Get started on securing your teen driver today by contacting York Insurance Agency, serving Beaver, Beaver Falls, and neighboring cities in Pennsylvania.

How to Avoid Common Causes of Auto Accidents

Learn about the top dangers of accidents to know how to avoid them on the road.

Auto accidents happen every day, everywhere. To help avoid being involved in one, it’s important for motorists to understand some common causes of accidents and strategies to avoid them. To stay safe on the roads, check out the common causes of accidents.

Rear-Ending

Rear-ending results when one car collides into the back of a car in front of it. Believe it or not, but this type of crash accounts for 29 percent of all accidents. Routinely, this occurs when the driver is not paying attention to the vehicle in front of him or her. Whether it’s talking on their cell phone, playing with the radio or taking their eyes off the road, the chance of this crash skyrockets. To help avoid rear-ending another vehicle because of distraction, always pay attention to your surroundings, watch your speed, and put your phone out of reach.

Hydroplaning

When you drive through standing water, your tires have to push water out of the way to maintain contact with the road. When the tire cannot do so, and there is water between the tire and the road, the driver loses control of the vehicle. This is known as hydroplaning. Because the car is not in contact with the road, the motorist is unable to control the vehicle’s steering. Driving safely in adverse weather conditions is critical, but even after a storm, there may be lying water. The best way to avoid this is to slow down!

Side-Impact Crashes

Side-impact crashes include ‘T-bone’ crashes, which occur when one driver fails to stop and collides with the vehicle that has the right of way. These accidents can also happen when a car merges into a lane without checking their blind spot, moving directly into the path of a vehicle behind. To avoid this dangerous situation, always look both ways for oncoming cars when you have the right of way, stop at all stop signs and red lights, and check your mirrors and blind spot before making a maneuver.

Are you looking for reliable auto insurance to protect you from facing auto accidents alone? Get started on securing your auto insurance today by contacting York Insurance Agency, serving Beaver, Beaver Falls, and neighboring cities in Pennsylvania.

Do You Need Business Interruption Insurance?

Disasters may temporarily close your business doors. Acquire insurance to cover this stage.

Business owners, did you know that business interruption insurance is almost as vital to your survival as a company as fire insurance? While most would never consider opening a business without buying insurance to cover damage due to fire and windstorms, many neglect business interruption insurance. Too many small business owners think about how they would recover immediately after a disaster. Fortunately, business interruption insurance, which can be added to a property insurance policy, is there to address this issue.

It covers ongoing expenses.

Business interruption insurance compensates you for lost income if your company has to vacate the destroyed premises due to damage from a covered peril. It also covers the revenue you would have earned, based on your financial records, if the disaster hadn’t occurred. As well as all of this, it helps to cover operating expenses, like utilities, which continue, even when your business has come to a temporary halt.

Check your limits.

When you obtain business interruption insurance, it’s important to check that the limits are sufficient to cover your company for more than a few days. Fire damage can take weeks to fix, whereas flood damage can take months to dry out and then repair!

Assess Your Risk

You’ll have assessed your risk for fire, theft, natural disasters, and more. This is an ideal time to consider business interruption insurance. Your business interruption insurance premiums are affected by the level of risk. However, the coverage is essential to obtain.

Are you ready to secure this valuable insurance? Visit the team at Yorke Insurance Agency today! We help companies to secure quality business insurance coverage within Beaver Falls, Beaver, and surrounding cities in Pennsylvania.

How to Handle Scheduled Car Maintenance

Handling Scheduled Car Maintenance

Understand your car’s maintenance schedule to keep service costs down.

If you’re like most car owners, you spend little to no time preparing for a scheduled maintenance visit to the dealership. Unfortunately, not preparing yourself or your vehicle for required maintenance can be a serious downfall – one that may end up costing you big. To help you save on costs where possible, check out how to handle scheduled car maintenance.

Read the Vehicle Manual

The best way to determine when it’s time for maintenance is not to look at the garage’s sticker that tells you when you need to come in for an oil change but to review the car’s manufacturer manual. Factory representatives who designed and built the car wrote the service manual, so it’s wise to listen to their advice. It stands to reason that they should best know how to keep everything running smoothly.

Service Overview

When your vehicle has less than 36,000 miles, little maintenance is needed to keep it purring. Only oil changes and tire rotations will be called for unless there is significant damage. As your car gets older and covers more miles, more maintenance will be required. Many people service newer cars at the dealership under warranty instead of branching out to an independent garage. The dealership has trained professionals that know your vehicle from the inside out, so it’s a good idea to stick with them.

Recommended Maintenance

When service advisors tell you that your vehicle needs maintenance, take it with a grain of salt. The dealership’s service advisor may hand you a list of “dealer-recommended” services that may not always be necessary. In this instance, refer to the trusty owner’s manual, and don’t be afraid to ask the garage why they have added extras.

Part of what keeps your vehicle safe and protected is quality car coverage. Get set up with the right auto insurance by contacting the professionals directly – Yorke Insurance Agency. We work with you to pair you with the coverage that provides all-encompassing protection for your vehicle and finances in Beaver, Beaver Falls, and neighboring cities in Pennsylvania.

How to Find Coverage to Suit Your Business Size

Business Insurance Coverage Size

Matching business insurance to the size of the entity.

As a business owner, you know that you need insurance. Unfortunately, there is no one-size-fits-all when it comes to commercial insurance. Tailoring a policy to the needs of your company depends on a variety of factors. One of these is the size of the business. A small start-up has very different needs and exposures than an established company.
For help determining what your company needs, read on.

Small Businesses

If you have 50 or fewer employees, you may consider yourself a small (but thriving!) business. A common small business insurance policy, a BOP (Business Owners Policy), is usually available for those with fewer than 100 employees and revenues of up to about $5 million or less. While you can purchase customized insurance to cover your specific type of business, insurers offer standardized small business policies that protect against the most common risks.

Medium-Sized Businesses

A mid-sized company generates more income than a small business but doesn’t have the workforce of a global business. Growing businesses are great, but they’re also more exposed to certain risks. As your team, equipment, and locations grow, review your insurance.

Large Businesses

For companies with more than 500 employees and multi-million dollar revenues, it’s important to protect them from the inside out. For this, specialized and additional insurance is worth adding on so that all departments, locations, and aspects of the business are covered. You may need additional coverage, such as Cyber Liability Insurance and Directors and Officers Insurance.

Skip the search of finding the right, credible insurer to secure the right workers’ compensation insurance for your business – Visit the team at Yorke Insurance Agency today! We help companies to secure quality business insurance coverage within Beaver Falls, Beaver, and surrounding cities in Pennsylvania.