Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.

Hired/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.

Every business is unique – talk to Hummel & Plum Insurance Agency today to find out how to get the best commercial auto insurance, service, price and value.  Give Hummel & Plum Insurance Agency a call at 740-477-3311.

Serving the unique needs of businesses in Circleville, Chillicothe, Ashville, Mt. Sterling and Central Ohio and all of Ohio

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Hummel & Plum Insurance Agency can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.

Ohio – What you need to know about commercial property insurance

Building

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Hummel & Plum Insurance Agency a call today at 740-477-3311, and we’ll help you determine if you have enough commercial property insurance for your business.

Flood

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Hummel & Plum Insurance Agency to review your coverage, and we’ll help you find the best solution.

Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

Business Income (Business Interruption Coverage)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Hummel & Plum Insurance Agency strongly recommends that all businesses acquire this coverage.

Electronic Data Processing (EDP)

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

Based in Ohio, Hummel & Plum Insurance Agency understands the business insurance needs of our customers. The right coverage for you is unique – call us at 740-477-3311 or contact us online today to find out how to protect your business and your future with the right insurance.

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all classic or antique cars are used the same, so Hummel & Plum Insurance Agency will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance:

• Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.

• Low Rates: Why pay full-time insurance when you driver your collector car only part-time.

• Coverage Options: Not all collector cars are the same, so Hummel & Plum Insurance Agency can work with you to determine the right amount of coverage to meet your specific needs.

• Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.

• Roadside Assistance: Whether you’re down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car?  Request a quote from Hummel & Plum Insurance Agency today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs. Give us a call today at 740-477-3311.

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let Hummel & Plum Insurance Agency help you find coverage options that protect you, your family, and your personal property. Call us at 740-477-3311 and let us help to make sure you’re properly covered.

Circleville, Chillicothe, Ashville, Mt. Sterling and Central Ohio – What you need to know about renters insurance

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Circleville, Chillicothe, Ashville, Mt. Sterling and Central Ohio Protect yourself and your guests

Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let Hummel & Plum Insurance Agency help you find the right amount of coverage to suit your insurance needs Ohio. Call us today at 740-477-3311.

Get the right amount of insurance coverage Ohio at the best price

Whether you’re starting out, between homes or downsizing, Hummel & Plum Insurance Agency will help you pick the renters insurance coverage that best fits your needs. Give us a call today at 740-477-3311 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.

Extra coverage doesn’t have to cost a lot

Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.

Hummel & Plum Insurance Agency  can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents.

Get travel insurance for travel within the United States or outside.  Seven Corners has been making a difference for travelers when they are away from home for 25 years.

RV Coverage

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Here at Hummel & Plum Insurance Agency, let us help you select the right coverage for your RV needs and get a great price at the same time. Call us today at 740-477-3311 to get your free insurance quote.
Ohio – Here are some things to consider when shopping for recreational vehicle insurance:

• RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
• Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
• You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
◦ Stated Value – market value/actual cash value of the RV
◦ Agreed Value – the insured amount, regardless of the current market value
◦ Replacement Cost – we will replace your insured RV with a new RV that is most like it
• Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
• Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
• Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
• Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
• Other additional coverage can include: Accident forgiveness, pet coverage, diminishing deductible, and more.
• Discounts can lower your premium. Ask us at Hummel & Plum Insurance Agency whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
• You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.

Hummel & Plum Insurance Agency is independently owned and locally operated to handle your insurance needs. We focus on Circleville, Chillicothe, Ashville or Mt. Sterling and offer affordable and reliable insurance choices all across Ohio.

Contact Us

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

How to Check Your Property for Damage After a Storm

When a big storm hits in Circleville, Chillicothe, Ashville or Mt. Sterling, you hunker down inside, relying on your home to protect you and your family. Once that storm passes, though, it’s time to repay the favor — identifying damage and protecting your home from further issues.

The National Storm Damage Center has a number of resources and tips for homeowners. Here are four major things the agency – and we here at Hummel & Plum Insurance Agency – recommends you check after a storm:

1. Your roof: If you see holes, split seams or missing shingles on your roof or if you notice leaking inside or out, it’s a good idea to have a qualified inspector come assess the situation.

2. Your exterior: Siding, brick and stucco are all vulnerable to storm damage. You’ll want to look for cracking, chipping or dings and dents in siding, and for holes in stucco. Look closely and at different times of the day. Some homeowners don’t notice damage until it’s too late to file a claim, and different lighting can reveal damage you didn’t see before.

3. Driveways and walkways: Cracking and splitting can create safety hazards, as well as reduce the lifespan of the concrete.

4. Trees: According to the National Storm Damage Center, fallen trees and limbs cause more than $1 billion in damage annually. Check roofs, vehicles, fences and machinery for fallen limbs that may have caused damage or could pose a risk. Clean up what you safely can and rely on a reputable tree removal service to handle the rest. Depending on the circumstances, your homeowners insurance policy may help with tree removal and damage repair costs – if you experience a covered loss, that is.

A few more helpful tips:

• Keep trees well maintained and trimmed. Also notify neighbors if you see any overhanging branches on any of theirs.
• Know your insurance. Take a look at your policy so you know what’s covered, what your limits and deductibles are, etc. This will prevent any surprises during the claims process.
• Take pictures. Photographs can help you show the cause and extent of any storm damage that occurs.

Of course, if you’ve suffered through a major storm, don’t hesitate to call us at Hummel & Plum Insurance Agency for help with an insurance claim or with finding a professional property inspector.

Contact Us!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

High school is full of defining moments for Circleville, Chillicothe, Ashville or Mt. Sterling teens and two of the highlights for most are prom and graduation.

However, this time of year often sees other, more tragic defining moments – serious car accidents involving teens who are distracted or even under the influence of alcohol or drugs.

At Hummel and Plum Insurance Agency, we want to help make this season one to celebrate for you and your teen. So, with the help of the National Highway Traffic Safety Administration, here are some tips that can keep your teen safe.

First, encourage your teen to follow these general safe-driving rules:

Absolutely no alcohol

Always use seat belts

No cell phone use (including texting) while driving

Special circumstances

Of course, special events such as prom and graduation often present special circumstances. There may be dinner with dates before the dance, and parties before or after either event. It’s a good idea to discuss your expectations well before each event, putting some guidelines into place before your teen heads out for the night. Here are some ideas:

Make sure you know the itinerary of the evening, as well as who else will be with your teen. You should have contact information for everyone.

Have a way to contact your teen at all times. You may want to require them to check in with you once or twice over the course of the evening.

Set a curfew, whether they are coming back to your home or staying with a friend. If they are staying elsewhere, make sure the curfew will be enforced by a responsible adult.

Discuss with your teen how to handle difficult situations, such as facing pressure to drink, or accepting a ride with someone who shouldn’t be driving. It’s a good idea to provide your child with money for a taxi just in case.

Offer a “no-questions-asked” ride home, should they need one during the evening.

If you’re worried about your teen driving, consider alternate transportation. A car service or limousine will provide a responsible, experienced adult driver. You also will be able to limit changes to the itinerary and contact the driver.

Prom and graduation in Circleville, Chillicothe, Ashville or Mt. Sterling are special times in a teen’s life. And just a little common sense will go a long way toward making sure your young adult is around to enjoy the other milestones that are sure to come.

Safeco Insurance Teen Safety Rewards™

Safeco Insurance Teen Safety Rewards can provide you a collection of tools, benefits and discounts to help your teen become a safer driver — as well as manage the cost of adding them to your policy. There are several discounts available, including the Good Student Discount, Driver Training Discount and more. Call Hummel and Plum Insurance Agency at 740-477-3311 for more information!