Advantage Insurance Services LLC

Products And Services

• Auto Insurance

  Having the right insurance plan to cover your car, motorcycle, or any other type of vehicle used for transportation provides insured security in case of an accident, injury, theft, or damage. In Kentucky, state law requires that any passenger vehicle or street legal motorcycle must carry the minimum coverage. Determining what type of coverage you need to insure your mode of transportation and putting an insurance plan into action ensures you are lawfully operating a vehicle in McCracken as well as providing peace of mind for those driving or riding insured vehicles. Auto and motorcycle insurance for drivers living in McCracken County in Western Kentucky requires drivers to carry the minimum coverage of liability insurance. There are three levels of coverage: property damage, bodily injury per person per accident, and all bodily injuries incurred in a single accident. As of 2013, drivers in the state of Kentucky can select the minimum liability coverage set at $10,000 for property damage, $25,000 per person bodily injury, and $50,000 for all bodily injuries. Drivers can also choose a single limit plan that covers liability coverage at a lower premium set at $60,000. Kentucky law has specific rules in place specifying what constitutes a street legal motorcycle. Motorcycle drivers must adhere to the same insurance requirements and traffic laws that apply to passenger cars. Whether you are researching for insurance for yourself, family members, teen drivers, or signing as guardian for a driver under age16 to operate a car or motorcycle, to make the best decision, request quotes and compare prices from several independent insurance carriers including top agencies such as Advantage Insurance Services. With the best option in place, your agent can implement an insurance plan that fits your budget while satisfying mandatory coverage required by Kentucky.

• Home Insurance

  Your home is really your biggest investment. Whatever business interests you may have, whatever you may do for a living, whatever holdings you have in stocks and bank accounts, your home is the one thing that you really need to make sure that you protect, that you need to make sure increases in value, and that you need to make sure is covered.

• Commercial Insurance

  The Facts about Kentucky Commercial Insurance Commercial insurance is an important part of having a business. Like an auto or home the business structure and merchandise must be protected so there is no loss because of a peril. Businesses in Paducah, Kentucky, McCracken County and all of Western Kentucky will benefit from a business owners policy (BOP). They will also benefit from using the professional services of an independent agency of Advantage Insurance Services. Kentucky Commercial Auto Insurance Any business with a fleet of service vehicles will need to have an auto package tailored to their business. Having a fleet of vehicles increases a company’s liability by a lot. Everywhere the drivers go there is the potential of having an accident. An auto package will cover the liability side and even the physical damage side of your fleet. Kentucky Commercial General Liability Insurance (CGL) Commercial general liability insurance will protect in the event of a lawsuit or an unforeseen accident. One way to think about this type of policy is to think that the larger a business is the more likely there could be a liability issue. Liability issues range from someone tripping over a rug to a malfunctioning device that caused an injury. The customer can sue for damages if the issue is found to be the fault of the company. The CGL policy covers these exposures. Kentucky Commercial Property Insurance Commercial property insurance is a policy that covers all the property and structures of a company. In some cases in can cover some of the inventory of a store in the event of a peril or loss. An independent agent at Advantage Insurance Services can develop quotes and they can help you compare your insurance needs to the policy they are offering. They can even develop a farm policy for farmers seeking to insure their farm exposures. Kentucky Workers Compensation There is nothing worse than having an employee get hurt while on the job. The employee faces lost wages and medical bills that someone will have to pay. Your business should carry a worker’s compensation policy to help pay for the medical expenses of the workers as well as provide compensation for lost work hours. Most injury cases end up in court with a verdict favorable to the employee if there is no workers compensation coverage for them. Kentucky Business Owner Package (BOP) A business owner package is a policy package that can be tailored to meet the needs of your company. In short the policy is known as a BOP. It will help cover some liability exposures and other specific needs that your company has. An independent agent will be able to help make the policy fit your business.

• Other Insurance

  In addition to traditional homeowner's insurance policies, there are other types of insurance that could benefit Kentucky residents. One type of insurance that many people overlook is umbrella policies. These policies are offered in addition to existing home, auto and life insurance policies and are typically obtained by people who have a business or who have "dangerous" hobbies. Umbrella insurance offers additional coverage in the event that you are sued. Kentucky Water Vehicle Insurance Under the category of maritime insurance there are numerous policies that can help protect McCracken County, Kentucky residents. Kentucky residents who own boats, maintain a boat slip or summer property or who use recreational vehicles such as water skis or jet skis often obtain policies to cover them in the event of accidents. Before you take on this type of inland marine or water vehicle policy, it is typically a good idea to identify independent agencies where you can get instant quotes, compare coverage and rates and connect with a qualified agent. Companies like Advantage Insurance Services fill those needs. Kentucky Health Insurance Needs In addition to existing health insurance, some people prefer to take additional coverage. Some of this coverage may include cancer insurance policies, additional life insurance policies and accident insurance. These policies typically help pay the additional expenses involved in high-risk health issues. Traditional health insurance policies often have harsh limits on coverage and these additional policies can help fill the gap left after existing benefits are exhausted. Kentucky Life Insurance Needs Most people feel that life insurance policies offer added security for family members. While many employers offer a small amount of life insurance for employees, these policies often end when employment terminates. Investing in life insurance today can make the difference for your family if something should happen to you. This added security can mean that your family can continue to fulfill their dreams of college and home ownership even if something happens to you. Independent insurance agents like those who are members of Advantage Insurance Services offer easy access to information, services and free online quotes. Consumers who want answers can find information 24 hours a day, 7 days a week by visiting their website. In addition, when you need to reach someone by telephone, they are there to help. Western Kentucky residents who are looking for expanded insurance coverage can find everything they are looking for. Whether you live in Paducah or any other Kentucky area, Advantage Insurance Services are there to meet your needs.