Category: Insurance

After you have been in a truck accident, among the first things on your mind will be your insurance nightmare. This is an overwhelming experience, and it’s normal to make a mistake or two, or worry about what you need to do.

At U.P. Insurance Agency Inc. We want all Negaunee, MI truck drivers to be covered through every accident. Here’s what you need to do after a truck accident.

Seek Medical Attention

The first thing to do after an accident is to report the crash. When you do that, call for medical attention immediately. When you have been in an accident, you are going to experience adrenaline surges, and you won’t be able to feel all the pain if you are experiencing injuries.

It happens all the time, where accident victims realize they have problems days later. Of course, you will report the crash. Get medical attention to those needs immediately, even if you don’t think you need it. That needs to be documented.

Document Everything

A truck accident is a major disaster. You will have police and medical personnel documenting a lot for you. You’ll want to document as much as possible if you can as well. 

Take photos of your own personal experiences, keep all records that are given during and after that experience. Collect names and personal information of all parties involved, even people that “may have” seen something but aren’t sure.

Only Discuss Facts

It is best for you to not say too much during and after an accident because this is a time when your problem is a legal and insurance problem. Even though Michigan is a no-fault state for truck insurance, insurance companies may not always see it that way.

Your insurance company will want to cover your claims, and only what they are responsible for. It’s easy to overstep when you are talking during a tragedy. You will have emotional angst and pain and suffering, but discussing it now could harm you down the road. Try to stick to the facts only, and leave the emotional venting for your loved ones and support system.

Work With Insurance Companies That Care

When you have been in a trucking accident, it’s easy to feel overwhelmed. At U.P. Insurance Agency Inc. we want Negaunee, MI residents to have every need covered during and after a truck accident. We can help you find the company that will be there for you when accidents occur. Call us for a quote or to update your policies today.

At U.P. Insurance Agency Inc., we help provide Negaunee MI food trucks with the coverage they need to stay on the road. This step often includes restaurant insurance policies.

What Insurance Food Trucks Need?

Over the years, food trucks have become one of the most popular dining options for many people. Even in the Upper Peninsula, towns like Marquette have a high population of these trucks serving food and satisfying guests. But do these trucks need restaurant insurance? Yes – they typically get a specialized coverage option including:

• Commercial Auto Protection – A food truck is a type of commercial vehicle and, as such, it needs protection from any driving-related issues that may impact it when you’re on the road.
• Liability Help – If your food ends up hurting anybody or if your truck damages people as you drive, you may need liability protection to keep your food truck from going out of business. 
• Worker’s Compensation Coverage – When more people work in your food truck than you, it is vital to have compensation coverage to pay for their sick days and injuries. 
• Lost-Income Protection – If your food truck is damaged or any of its equipment forces you to miss work, you can get income protection to ensure that you don’t experience a financial shortage. 

This type of coverage is similar to restaurant insurance but is explicitly focused on food trucks. As a result, you should find it reasonably easy to adjust your policy to meet your needs as a person. Just as importantly, you may also have an easier time finding a company that can ensure you. 

Protect Your Livelihood 

Please get in touch with us at U.P. Insurance Agency Inc. to get Negaunee, MI food truck restaurant coverage. We’ll adapt your policy to meet your needs as a company and to keep you in business.

Michigan is known for its automobile industry. With more auto manufacturing companies than any other state, it makes sense that our state would also have a lot of commercial garages, car dealerships, and auto repair shops. U.P. Insurance Agency Inc. serving Negaunee, MI understands the ins and outs of the automobile industry and the unique needs of businesses that work with cars. That’s why we offer comprehensive commercial garage insurance policies that are customizable to your specific situation. 

<h2>What is Garage Insurance?</h2>

Garage insurance is a specific type of commercial liability insurance that protects dealerships, auto repair shops, commercial garages and similar businesses from liability associated with working on other people’s cars. For example, if your new mechanic hits a post while driving a customer’s car into a bay, your garage insurance would protect your business against damages, something that wouldn’t usually be covered under a standard commercial general liability insurance (CGL). 

What Does Garage Insurance Cover?

While our policies are customizable based on your routine business operations, garage insurance policies can cover: 

• General liability,
• Damages resulting from faulty work,
• Premises, including customer slip and falls,
• Theft and vandalism of cars left overnight at your establishment,
• Wind, fire, and hail damage,
• Employee theft and dishonesty,
• And more.

Since a single incident can result in a lawsuit that bankrupts your business, it’s important to work closely with your insurance agent to make sure your coverage is accurate and adequate. 

Who Needs Garage Insurance?

Any business that regularly works on or stores other people’s vehicles can benefit from garage insurance. Some examples of businesses that need garage insurance include:

• Body shops
• Tire and battery repair shops
• Transmission repair shops
• Tow or impound lots
• Storage facilities for cars or motorhomes

Act now to protect your garage business from unnecessary liability. U.P Insurance Agency Inc. works with customers in Negaunee, MI to insure all of their commercial needs. Contact us today to get started. 

One of the most important decisions you need to make as a restaurant owner is which restaurant insurance policy to purchase. At U.P. Insurance Agency Inc., we offer restaurant insurance policies in Negaunee, MI.

The following are three key considerations you should take into account when you purchase restaurant insurance.

The insurance provider you buy from

There are a lot of insurance providers out there to choose from. It’s best for you to choose a provider specializing in providing restaurant insurance.

While any commercial insurance provider will insure a restaurant, those who specialize in restaurant insurance are best able to anticipate and accommodate your needs. 

The cost of the policy

Of course, the cost is an important consideration. Restaurant insurance premiums will be an added business expense you’ll have to keep up with to keep your policy current.

While you shouldn’t simply choose the least expensive policy, you should shop around to find the provider that will provide you with quality coverage at a reasonable price. The best way to compare your options is to get policy quotes from a few different providers and evaluate them carefully. 

The results of a risk assessment of your business

A risk assessment is an important step to go through to identify your restaurant insurance needs in detail.

During a risk assessment, you’ll analyze your restaurant’s risks of experiencing lawsuits, property damage, and other potential expenses. This assessment helps you determine what types of coverage your restaurant needs and how much coverage is appropriate. 

Do you have questions about meeting your restaurant insurance needs in Negaunee, MI? Contact us at U.P. Insurance Agency Inc., and we’ll be happy to help you learn more about insuring your restaurant business.