Insurance solutions for your industry

Posted on July 26, 2021January 22, 2025 by Shield Insurance Agency

Liberty Mutual Small Commercial: Insurance solutions for your industry

As an expert in your business, you know your operation inside and out – from how to market during your high-selling season to what equipment is best to use in your production lines. At Liberty Mutual Insurance, we know how to protect your business. With industry expertise in areas such as underwriting, risk control, and claims, we know how to keep your specific type of business and employees protected. Whether you manage a clothing store, operate a farm, or run a publishing house, you need the right coverage to ensure your business is protected.

Insurance Terms Important to Know - Shield Insurance Agency Blog

Common Insurance Terms Made Easy

Posted on January 23, 2020August 31, 2021 by Shield Insurance Agency

Insurance can be confusing…we get it! But we’re here to help provide you with a better insurance experience. Learn more about what these common insurance terms mean so you can be prepared when looking for a policy.

For customer information or to get a quote, please visit our website at www.ShieldAgency.com .

9 Steps to Winterizing Your Collector Vehicle

Posted on November 12, 2019August 25, 2023 by Shield Insurance Agency

Shield Insurance Agency Blog | Winterizing Your Collector Vehicle | Start A Quote Today!

Winterizing Your Collector Vehicle?

In most of the country, cold weather is here to stay, so it’s likely time to prepare your ride for hibernation. And because collector cars don’t live the same life as a vehicle that’s driven every day, it’s important to follow a winterization process thoroughly, to ensure your car survives the cold months.

9 steps to Winterizing Your Collector Vehicle

Fuel stabilizer is the engine’s best friend. As fuel sits, it degrades and coats the inside of the tank and engine parts. Stabilizer in the tank prevents that. Run the engine a little to get the treatment into the carburetor or injectors.
Top off the fuel. This prevents condensation build-up in the tank.
Top off the oil. Make sure the oil level is full. Once spring comes around, you will want to start the car, warm the engine up to operating temperature to burn out the moisture, and then change the oil so you are ready for show season.
Test and top off anti-freeze. Testing the antifreeze is extremely important to preventing freeze damage to the inside of the engine block. Antifreeze testers are available at most auto parts stores.
Clean the car before storage. Cleaning and waxing the exterior before putting a breathable car cover on, will help maintain the quality of the paint, and prevent moisture, that can cause corrosion and mildew.
Tires. Inflate tires properly, and treat them with a good tire gel, both inside and outside walls. You can also put the car on jack stands to get the weight off of the tires. This will help prevent flat spots.
Reduce moisture.The interior and exterior of the car need to be protected from moisture. A damp garage will corrode all bare metals, damage paint, and cause mildew and mold in the interior. A small fan or a shop light with a candescent light bulb under the car will help eliminate moisture. For the interior, DampRid or some sort of moisture absorbing material will keep things clean and dry.
Battery. Use a battery tender that monitors the battery and charges it when needed.
Insurance. Last but not least, check your car’s insurance policy or talk with your insurance agent. Even if you’re storing your ride indoors, it’s still at risk of theft, vandalism, or physical damage.

For informational purposes only and may not be applicable to all situations.

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8).

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Unveiling the Secrets to Getting the Best Coverage for Your RV

Posted on June 22, 2019August 14, 2023 by Shield Insurance Agency

Shield Insurance Blog | Recreation Vehicle | Start A Quote Today!

ATVs, snowmobiles, dirt bikes, etc… All of these recreational vehicles can be risky to operate for the riders, passengers, and those around them. They are also very fun and one of the perks of living in a state where it snows!!! Thankfully, you can insure these recreation vehicles as you would an automobile.

Just like an auto insurance policy, on a recreational vehicle policy, you would receive:

Bodily Injury Liability
Uninsured/Underinsured motorist
Either Medical pay or Medical benefits coverage
Physical damage (comprehensive & collision) — optional
Roadside – optional
Carried contents and Accessories – optional

A lot of these coverages are only available on an ATV or RV policy. For instance, if you decide to not insure your snowmobile in the summer with at least storage coverage, and the garage that it is in burns down, your homeowner’s policy will not cover it! OR, what if you or your passenger are hurt after having an accident on your ATV, you may have NO coverage for those medical bills!

Recreational vehicles aren’t always covered

Did you know that not every insurance company will allow you to insure recreational vehicles such as ATVs, snowmobiles, dirt bikes, etc… on your homeowner’s policy? Did you also know that coverage on a homeowner’s policy is very much lacking in comparison to a separate ATV/RV policy?

Lately, I have been hearing that quite a few banks have been suggesting clients insure their newly purchased recreational vehicles on their homeowner’s policy so they don’t have to purchase another separate policy. Not only may that person be out of luck depending on the company, but most companies only offer liability coverage and/or physical damage coverage. No roadside, no uninsured/underinsured motorist, no medical coverage if injured in an accident, and there tend to be more exclusions than your typical ATV/RV policy.

Generally speaking, depending on driving history and what type of recreational vehicle is owned, insurance policies for them tend to run cheaper and they are always worth the money.

It can get confusing, but give our office a call. We are here to help and will make it all seem pretty simple. 616.896.4600