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Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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Ways you can cover your business with commercial insurance

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The Cumberland, MD area can be a good place for someone to start and grow a business. If you do own a business in this region, you will enjoy the strong local economy and high population. While there can be a lot of opportunities for businesses to be successful, there are business risks as well. One way to mitigate some risks is by getting a commercial insurance plan.

This coverage can protect your business in various ways:

Cover Assets Owned by Business

One of the ways that your commercial insurance plan can protect your business is by covering your assets. Any business today is going to start to grow will need to invest in various assets including equipment, computers, and inventory. To ensure your company is protected, you will want to know these assets are protected. A great way to do this is by investing in commercial insurance as it will have a commercial property coverage component. 

Mitigate Liability Risks

Business owners should also be aware that they face liability risk on a regular basis. A great way that you reduce this concern is by getting liability insurance through a commercial insurance plan. This can help cover any damages that you may be held responsible for if you are liable in an accident.

Contact Us Today

There are a lot of ways that you can protect a Cumberland, MD area business with commercial insurance. As there is a lot of value in this coverage, selecting the right plan is a big decision. Once you are ready to start looking for a plan here, it would be wise to call Knippenberg Insurance Inc. The professionals with Knippenberg Insurance Inc. understand the value of this coverage and can help you build a plan that will properly protect your business. 

Why Home Maintenance Is Important

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When you own a home, you are going to be the only one who is in charge if something breaks. You won’t be able to call the landlord to fix it. You are going to be the one who takes care of your home Though you may not see the importance of maintaining a home, here are some reasons why it is. 

It saves you money. Though you may have to shell out money for maintenance, it is often cheaper to do that than to deal with the larger problem. A dirty filter can damage your HVAC unit. A clogged drain can burst, leaving you with a huge mess. Not only will you have to deal with the pipe itself, you may also have water damage in your floor and walls. This can be very costly to fix. 

It keeps your home running smoothly. If you don’t clean the filters in your furnace or HVAC unit, it is going to have to work harder to heat and cool your home. It may take more energy and fuel to keep the house at the right temperature. This will also save you money, because when you keep things efficient, your electricity and fuel bills won’t be as high.

It will increase the value of your home. If you decide to sell your home, and you haven’t taken care of it, it may not do well at your home inspection. You may end up having to repair a lot of things first. If you have kept after things all these years, you really shouldn’t have to worry about the inspection.  

If you want to make sure that your home is protected, don’t hesitate to contact us at Knippenberg Insurance Inc. in Cumberland, MD. 

What is farm and crop insurance?

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Farmers know that natural disasters such as fire, drought, and heavy rain can cripple their crop production for that year and future years. With many farmers dependent on a good year from their crops to survive, failure can have a devastating impact on many farms and their families. Luckily, agricultural producers, including farmers, ranchers, and others, can protect themselves against losing their crops and revenue by purchasing farm and crop insurance. When it comes to farm and crop insurance, there are three main types: multiple peril crop insurance, crop-hail insurance, and crop revenue insurance. Let’s explore both in greater detail below.

Multiple Peril Crop Insurance (MPCI)

MPCI protects farmers from crop losses caused by natural events, including disease, drought, destructive weather, fire, flooding, and insect damage. MPCI is a federal program and is regulated to ensure consistency and fairness. Insurance agents and companies, such as Knippenberg Insurance Inc. in Cumberland, MD, are licensed to sell MPCI policies. Currently, MPCI covers more than 120 different crops; however, coverage can vary from one geographic region to the next. 

Crop-Hail Insurance

If you live in an area where hail is a common occurrence, you can purchase a special insurance policy to protect crops most at risk of being ruined by hail. Crop-hail insurance is often purchased as a supplement with MPCI and can be bought at any point during harvesting.

Crop Revenue Insurance

In seasons when crops produce less than expected or the price of the crop is low, crop revenue insurance can be purchased to offset the loss in revenue. Using last year’s revenue as a baseline for the current year’s, the insurance company may help cover the difference. This policy protects farmers and their earnings from inflationary swings in crop prices and poor yields. 

A Closer Look At The Different Types Of Life Insurance Coverage

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Knippenberg Insurance Inc. serves the Cumberland, MD community, as well as the surrounding areas. For over 30 years, we have helped our clients obtain the coverage they need. We work with multiple carriers throughout the East Coast. This allows us to help people regardless of their needs. We are confident that we can help you find the coverage that you are looking for.

A Look At The Different Types Of Life Insurance Coverage

Many people enjoy taking things one day at a time. Perhaps you prefer to focus on visiting all the local Cumberland MD attractions and planning your next vacation. However, at some point, you have to start planning for the future. If you want to leave a legacy behind and a foundation for your loved ones, consider the benefits of life insurance. Life insurance provides a safety net for your loved ones as they cope with your passing. Life insurance helps your loved ones finalize your funeral arrangements and take care of your affairs. The policy can also help your children as they pursue higher education. Here’s a look at the different types of life insurance policies.

Term Life Insurance

Term life insurance policies provide coverage for a specified period of time. The average length of a term life policy is 15-20 years. Once the term expires, you’ll have to acquire new coverage.

Whole Life Insurance

Whole life insurance covers you throughout your entire life. It’s a stable form of coverage.

Universal Life Insurance

Universal life insurance covers you by providing guaranteed help with your funeral arrangements.

Knippenberg Insurance Inc. Will Help You Find Coverage

Visit our website to learn more information about life insurance.  

Do I need more than the state minimum insurance for my car?

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Most of us understand that auto insurance is required in almost every state in order to legally operate a vehicle. However, state insurance requirements will vary from state to state. Regardless of where you live, it’s a good idea to familiarize yourself with the minimum insurance requirements needed to legally drive. In addition, some situations may require you to purchase more coverage than the state minimum insurance requirements. Our team at Knippenberg Insurance Inc of Cumberland, MD is dedicated to educating Maryland drivers about the state’s minimum insurance requirements.

What are Maryland’s State Minimum Auto Insurance Requirements?

Maryland drivers are required to carry bodily injury, property damage, personal injury, and uninsured property/bodily injury liability insurance coverage. Each area of required coverage has certain minimum levels of coverage that must be met. 

Bodily Injury Liability Coverage

Drivers must carry $30,000 minimum per person and  $60,000 minimum per accident in bodily injury liability coverage. 

Property Damage Liability Coverage

: There is a $15,000 minimum property damage liability requirement.

Uninsured Motorist Bodily Injury Coverage

: Drivers must carry $30,000 minimum per person and  $60,000 minimum per accident in uninsured motorist coverage.

Uninsured Motorist Property Damage Coverage

A minimum of $15,000  in uninsured motorists’ property damage coverage must be carried. 

Personal Injury Protection (PIP)

There’s some flexibility when it comes to the personal injury protection coverage requirement. Drivers can opt to forego the $2500 minimum coverage requirement and instead choose a limited PIP option. 

Under What Circumstances Would You Need more than State Minimum Auto Coverage?

In short, if you don’t own your car and have an auto loan, you will likely be required to purchase comprehensive insurance. This is how the lender protects their investment in your car. If you damage/total the car before it’s paid for, the lender is protected and compensated, just as you are. If you have more questions about how much coverage you need as a Maryland driver, give us a call. We’d be happy to answer your questions. 

Reasons Life Insurance is Important

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There are several reasons to have a life insurance policy in place, including the peace of mind in knowing that your loved ones will be financially protected when you pass away. The agents at Knippenberg Insurance Inc. in Cumberland, MD are explaining the reasons life insurance is important to have and the different types of policies that are available to help you decide which one is best for you.

Reasons for a Life Insurance Policy

A life insurance policy is important to have in place for a multitude of reasons. One of them is the fact that the meaning of your debts can be paid off when you pass away which will relieve a large amount of stress from your loved ones. This is especially important if you are the main breadwinner of your family. Your loved ones will be grieving the fact that you have died, and a life insurance policy will help them to not worry about things like how to make the car payment or pay the house payment.

A life insurance policy can also help with your funeral and burial costs. Keep in mind if you have a small policy through your employer, though, that is usually only enough for your funeral and not enough to keep your loved ones financially stable.

Types of Life Insurance Policies

There are three main types of life insurance policies available.

Universal Life Insurance

The most popular life insurance policy choice for most people is a universal life insurance policy since you can borrow money from it while you are still alive. This means you can pay off large debts, such as your home mortgage before you pass away which will help you have a better quality of life before you die and will provide your family with security.

Term Life Insurance

Term life insurance policy is only paid out to your loved ones if you pass away during the term in which the policy is in effect. You get to decide how long each term is which can be one year or 50.

Whole Life Insurance

Whole life insurance, sometimes referred to as permanent insurance, will pay a death benefit when you pass away. The three major types of whole life insurance policies include variable universal life, universal life, and traditional whole life.

To decide upon the right life insurance policy for you and your family, contact the agents at Knippenberg Insurance Inc. in Cumberland, MD today!

4 Areas Covered by Auto Insurance

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Whether you are on the road with your first car or you’ve been driving for years, auto insurance is a must-have investment. Auto insurance is a safety net that protects you financially when you are on the road. Don’t wait for the worst to happen, yet you purchase auto insurance at Knippenberg Insurance Inc. today. 

Having the right coverage can make a huge difference between being relieved after an accident and being in financial distress. Here are the common areas covered by auto insurance.

Liability coverage

When you are in an accident, and at fault, you will be glad you had liability coverage. Liability coverage covers third-party expenses like legal costs if you got sued, property damage, or bodily injuries to others. Without this coverage, you are responsible for paying for these expenses, putting you at financial risk if the accident was significant.

Uninsured motorist coverage

Since auto insurance is mandatory in Maryland, don’t make the mistake of assuming every car is insured. You will find uninsured or underinsured motorists on the road. If these people crash into your car, this policy steps in and pays for the expenses incurred from the accident.

Physical asset coverage

Collision coverage covers the damages caused to your car regardless of who is at the fault of the auto accident. It also covers collisions with objects like a fence or tree. On the other hand, comprehensive coverage covers non-collision perils like vandalism, fire, theft, and natural disasters.  

Medical expenses coverage

PIP or MedPay coverage covers medical expenses for you and the passengers present at the time of the accident, regardless of who was at fault.

Auto insurance in Cumberland, MD

If you own a vehicle, be sure to get the right coverage that suits your needs. Ready to purchase your auto insurance policy? Contact us at Knippenberg Insurance Inc. for an affordable quote.

Common Myths About Commercial Insurance

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Many business owners ask "Do I really need commercial insurance?". The answer is "Yes, you do". If you are a responsible business owner, and you want to protect your company, yourself, and your employees, having proper commercial insurance is a must. Unfortunately, choosing the right commercial insurance policy can be complicated because of many misconceptions about this type of insurance. In this article, we will list some common myths related to commercial insurance and debunk them. 

Common Myths About Commercial Insurance

  • Your home-based business is covered by your home insurance. Many business owners believe that it is enough to have homeowners’ insurance to protect their business that they run from home. However, a home insurance policy applies to your home only. It may provide some kind of coverage, but it is very limited and is not enough to protect your business. Therefore, if you operate a business from home, you should purchase separate commercial insurance. 
  • Carrying workers’ compensation is not necessary if you have no employees. Even though the primary purpose of workers’ compensation is to protect employees, even if you do not have any, it is still worth carrying it as additional protection for your business and you as a business owner. 
  • Commercial insurance protects you against all types of damage, including damage caused by flooding. Unfortunately, the truth is that in order to protect your commercial building against floods, you will have to purchase additional flood insurance. 

Knippenberg Insurance Inc. serving clients in Cumberland, MD – We Help You Get Insurance You Need

If you run your business in Cumberland, MD and you are looking for a commercial insurance policy to protect your business, Knippenberg Insurance Inc. will be able to help you find a policy you need. Feel free to give us a call to get more information about the coverages we offer and find a policy based on your needs and budget.

Keeping Your Home Insurance Up to Date

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Are you concerned about your home insurance policy or feel it may not be up to date? If so, please call us at Knippenberg Insurance Inc. serving Cumberland, MD, to learn more. Or you can read this information below to give yourself the details necessary to keep your insurance policy up to date.

What Happens If Your Policy Lapses?

If your policy lapses, you:

  • Won’t be covered in emergencies 
  • May struggle to find another policy 
  • Could decrease the value of your home 

Therefore, it is essential to reach out to your insurance company and take the steps below to ensure that your policy is as up-to-date as possible.

Ways to Keep Your Policy Up-to-Date 

If you’re uncertain of whether your policy is up to date, you need to take steps to make sure that you don’t run into any complications. Just a few ways you can ensure that you are covered and that you minimize your risk of serious financial struggles include how you can:

  • Pay all of your bills on time (or pay off any debts you may owe)
  • Make sure you have the correct address for your home insurance 
  • Add any renovations or extensions to your policy 
  • Get your home’s value checked to ensure it is fully protected 

You can work directly with your home insurance agent to handle many of these steps and to minimize their impact on you. However, you can also get high-quality help from many adjusters and other experts who can provide you with the information you need about your policy. 

Coverage is Available for You 

Please reach out to us at Knippenberg Insurance Inc. near Cumberland, MD, if you’re uncertain of your policy option. Our team will do what they can to help you out and will ensure that you are protected as much as possible. 

What Kind of Insurance Do I Need for My Farm?

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Farm insurance protects farmers against what can happen to their farm and their residence. Like homeowners and commercial insurance policies, farm insurance can be customized to fit your Cumberland, MD needs. For additional information about farm insurance and coverage options, call the experts at Knippenberg Insurance Inc. today. 

What Does Farm Property Insurance Protect?

Farm property insurance protects your home and its contents; additionally, this policy protects your farm machinery, equipment, the products you produce, barns, and other farm structures. Essentially, this insurance policy covers things that make your farm your farm. 

Coverage for Other Structures

Under farm property insurance coverage protects you against damage caused to other buildings on your property, including detached garages, sheds, barns, and in-ground pools. Additionally, your insurance policy covers damage to trees, shrubs, plants, lawns, and crops. When filing a claim, your primary policy also protects against theft and payments for loss of use. 

Coverage for Machinery

Should the machinery used to work your farm get damaged in a covered event listed on your insurance policy, you will receive coverage to repair or replace the machinery. Additionally, your farm insurance policy protects you when the machinery listed on the policy is stolen. 

Liability Coverage

Your farm insurance policy should also include liability coverage, which protects you if there is an accident on your farm. If an employee or someone else gets injured on your property, liability coverage pays for damages, including medical bills and lost wages, due to the injury. 

Cumberland, MD farmers need to protect themselves and their farms by purchasing farm insurance. There are many types of coverage available, and speaking with an agent at Knippenberg Insurance Inc. can help you select the best policy and coverage for your farming needs. 

Partner Carriers

  • Allstate
  • Amwins
  • Chesapeake
  • Foremost
  • Frederick Mutual
  • Guard
  • Hagerty
  • K&K
  • Liberty Mutual
  • MetLife
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Tapco
  • The Hartford
  • Travelers
  • Zurich