Reasons to Get a Business Owner’s Policy in the State of Missouri

Entrepreneurs are often concerned about what to do if something were to happen to their place of business, which is why they need to have an insurance policy so they can be covered for these types of liabilities. There are different types of coverage available, and all of them are meant to protect you against certain perils. You have the option to purchase a more comprehensive plan that can offer a more complete solution than just one type of coverage, and you can get that with a business owner’s policy (BOP).

Advantages of a Business Owner’s Policy

By getting a business owner’s policy, you can tailor it according to your specific needs, and it can be less expensive than getting each type of coverage individually. A business owner’s policy can include the following coverage options:

•    Property insurance
•    Business interruption/continuation insurance
•    Liability insurance

A business owner’s policy won’t cover professional liability, which is anything that was the result of a wrongful practice. And it doesn’t include any of the following:

•    Auto insurance
•    Workers’ compensation
•    Health insurance
•    Disability insurance

These policies must be purchased separately if you think it’s necessary

If you want to find a business owner’s policy that will meet your specific needs, then you need to get in touch with Epic Insurance in Lees Summit, MO. We have agents who understand commercial insurance in detail, and we would be happy to help you find what you’re looking for.

Who Can Qualify for a Business Owner’s Policy

Not everyone can qualify for a business owner’s policy, because certain industries have a unique set of risks that may be too costly for an insurance company to cover. These businesses may need a more customized form of coverage than what may be offered in a business owner’s policy. A home-based business with a small amount of people could start out with a business owner’s policy, and it can expand its coverage as it continues to grow.
To find out if you can qualify for a business owner’s policy, then you need to get a hold of Epic Insurance. We have served the people of Lees Summit, MO for a long time, so we understand the needs of the community. Get in touch with someone at our office to find out what we can do for you and your business!

Lees Summit: Get A Car Or Keep The Bus Pass?

Some towns aren’t car towns. If you live in a place like New York City, San Luis Obispo, or small towns like Winter Haven, Florida, you might discover that a car is more trouble than it’s worth. On the other hand, there are cities like Albuquerque where there’s not much public transportation to speak of, and everything is spread out, so you need a set of wheels if you don’t want to be constantly begging friends and family members for a ride.

Lees Summit, MO is one of those cities that can go either way. It’s an incredibly walkable town. There are plenty of affordable spots in the Downtown area, so if you work in the same neighborhood, there’s no reason why you’d need a car for your day to day life. Likewise, the public transportation in Lee’s Summit is pretty good. It’s not hard to get around by bus, for shopping, for work, even going on dates.

Not everyone in Lee’s Summit needs a car, but there are a few reasons to consider getting a car of your own. For instance, there’s plenty of work to be found in Lee’s Summit, but if you find a great job in one of the surrounding towns and suburbs like Grandview or Raymore, then you’re looking at a two hour bus ride or an Uber trip that costs you twice what you’re earning for a day’s work. Your car opens up your opportunities for advancing your career, and it means that you don’t have to live by the bus schedule. Not to mention road trips, and getting a little bit of privacy and space to yourself while you’re out and about.

If you’re considering getting a car of your own, we can help you to get a great insurance plan to keep you covered.

Neighbor Construction and Damage to Your Home

People in Lees Summit, MO generally get along fine with their neighbors until one does something that affects the living condition or enjoyment of the other. If not resolved correctly and quickly, these incidents can boil up into outright Hatfield vs. McCoy altercations in some case. Fortunately, unlike the old days, property damage issues can be resolved in a civil manner through a number of avenues. However, what many wonder is whether their homeowner’s insurance will get involved when there is damage to their own home.

The cause of the damage, the property line location and type of coverage purchased often dictates how involved the policy provider will be in the matter, according to Epic Insurance. Generally, damaged caused by an outside man-made force or action tends to be addressed. So whether a construction truck backed into a fence or home wall, or whether a crane dropped material on someone’s roof and damaged the tiles, the damage would likely be addressed. Then the insurance provider would file a claim against the neighbor and contractor to recover the expense. However, where the construction simply interferes with one’s enjoyment of his own property, such as an addition blocking out sunlight to one’s backyard, these issues are not structural and don’t really affect a home’s physical function. So they would not be covered. The homeowner would need to seek a civil action in court on his own to pursue recovery, usually through a nuisance lawsuit.

For those in the Lees Summit, MO area who need a second opinion on what a neighbor’s new construction project might mean to their policy, folks can give Epic Insurance a call for expert advice. Their agents have seen and worked with all kind of situations and can easily answer most technical questions adequately.

Get In On The Ground Floor: Home Insurance Concerns For Your Kitchen, Diningroom and Living Areas of Your Home

Do We Need to Know It All?

It is not our contention that every homeowner needs to know every aspect of their home insurance policy. However, it is a great idea to gain some knowledge as you look around your home to look at things in the perspective of what it means to protect it.

  • Kitchen – with the amount of electricity used in this one room, you want to ensure that all lines are properly maintained. Hear the water running? Homeowners should understand that maintaining water pipes is a responsibility as well. Insurance is impacted by flooding, fires and another calamity that originates in this room.
  • Living Room, Dining Room  – the place where we do most of our entertaining. Make certain the flooring is secure and properly maintained to ensure your guests don’t take a spill.  All aspects of these rooms must be maintained such as electricity and windows so that the threat of accidents are minimized or eradicated.

It is an epic affair when you decide to make Epic Insurance your insurance agent. Serving the Lees Summit MO area and the surrounding areas we act as a true agent of your insurance concerns and needs. In this way, you get the savings of the huge companies coupled with the personal attention of a personal agent who is aware of your individual situation and the needs that will answer your unique set of circumstances.

If you can make it into our offices in Lees Summit, MO or need to contact Epic Insurance via the website you will feel like you got in on the ground floor in so far as taking great care of the insurance for your home.

3 Reasons to Purchase Home Insurance Today

Are you considering purchasing a home insurance policy in Lees Summit, MO? If not, maybe you should be! That said, the following is an overview of three reasons to purchase a home insurance policy at Epic Insurance today.

Natural Disaster Protection

One of the top reasons to purchase a home insurance policy is to protect against natural disasters. An area well known for tornadoes, severe thunderstorms, flooding and more, purchasing a home insurance policy in Lees Summit, MO is vital to all homeowners.

Lawsuit Protection

Next, another top reason to purchase a home insurance policy to protect your estate against costly lawsuits. If you do not have the proper coverage in place, individuals and companies may come after you for financial compensation that could result in owing up to multi-millions of dollars. By purchasing your policy, you will ensure you have coverage in place in case an unfortunate situation unfolds on your property.

Protect Equity

Lastly, purchasing a high-quality home insurance policy ensures that the equity of your home is protected. In short, the value of your home is subject to a number of variables including market value. By purchasing a home insurance policy, you are ensuring that your home maintains its value even as other places in the area begin to deteriorate.

Overall, if you are seeking a high-quality home insurance policy in Lees Summit, MO, Epic Insurance is an excellent resource. Simply call, stop in, or email us today and find out how you can begin your home insurance policy immediately and hopefully save some money in the process. Your home and family have waited for protection long enough. Call us today!

RVing It In Lees Summit, MO

Did you know that Lees Summit, MO rates as one of the top 100 cities in America?  According to Lees Summit Tourism, it also has a vibrant economy and lots to do.  Once a farming community, it has held it’s historic charm enjoyed by residents and RV adventurers alike.  If you’re planning to take a trip to Lees Summit with your RV this year, here are RV parks in the area to take advantage of.

Longview Lake Campground

Located in Lee’s Summit, this RV campground has it all.  From big rig access to allowing pets,  and a big, beautiful lake this county campground is a family friendly choice.

Fleming Park/Blue Springs Campground

When visiting the Kansas City area, this campground is a good choice and only 20 minutes from Lee’s Summit.  It’s another county campground with RV hook-ups and a lake.  Pets are also welcome. The only downside to this RV park is that most sites require leveling, which can be a pain if you arrive by night.

Peculiar Park Place

The last one on our list, Peculiar Park Place is also located in the Kansas City area and open year round.  If you’re in the mood for some heartland America to refresh and revitalize your soul, then this is the campground for you.  It’s only 25 minutes from Lee’s Summit in the town of Peculiar.

Before heading out on your RV trip to Lee’s Summit, MO, be sure your RV insurance is up to date and covers any possible unexpected disaster. This way you can relax and enjoy this beautiful part of America knowing that your RV is covered from top to bottom.  At Epic Insurance, we have a passion for providing RV insurance and will help you get the best rates.  

 

 

 

Things To Take Care of Before Getting Out on the Boat This Summer

As the days get hotter and the sun stays out longer, if you have a boat then you know it is time to start getting it ready for summer use. Making sure you have everything in order will help you to enjoy more of your boat this summer and worry less about the little things. Use our tips to get everything done before it is time to take the boat out.

  • De-winterize your boat. You were smart in winterizing your boat before the cold weather hit but now you need to prep it for the warm weather and that includes de-winterizing your boat. 
  • Get a tune up. A tune up can do wonders for your boat, especially if you haven’t had it looked at in some time. The best way to keep your boat running well is to get a tune up every year before the summer season. 
  • Check your battery. Not only is this something you should do before the summer but if you leave your boat sitting unused for a few weeks, you should check the strength of the battery before you take it out on the water. If it is low or shows no power, then you may want to replace it.
  • Check your fluids and replace filters. Make sure your fuel filters are changed regularly do your engine runs well. You should also check all of your fluids to ensure you have everything set up for the summer. You can check both of these things throughout the summer as well.  

If you do not have boat insurance or would like to look into your current boat policy to make sure you are completely covered, be sure to contact us at Epic Insurance.

Use Commonsense When You Are Considering Commercial Insurance

Who wants to make purchasing commercial insurance an epic event?
Believe it or not, we do. At Epic Insurance we are committed to taking the drama out of protecting your business. You are in business to make money and depending on the type of business you own you want to provide high quality goods and/or services to your client base. You are definitely not in business to lose much needed rest worrying about who may trip and fall outside on the sidewalk out front of the business or who may be injured as a result of an accident one of your company vehicles may be involved in.

What Do I Have to Consider When Commercial Insurance Becomes Necessary For My Business

Owning a small, medium or large business has inherent liability risk that is contingent upon the type of business you own. There are many factors that must be considered when you come to the table to purchase your commercial insurance policy.

Points of consideration include:

  • the amount of people that are employed at your business as well as the risk that they face when they are on the job and conducting your business
  • are vehicles being used to conduct your business?
  • who is using the vehicle?
  • where are they going in the vehicle?

These are the commonsense questions that must be answered to determine the amount of insurance that would best fit the needs of your commercial enterprise.

We make purchasing insurance for your car, home, life and business an epic occasion. Epic Insurance takes the drama out of understanding the terms of your policy. We offer a considerate and professional staff of service professionals to make certain you understand your protection and the inherent liability of your business.  

 

Ways to Give Back This Winter

The winter season is the busiest time of year with shopping, cooking with loved ones, and building valuable memories. With the craziness of the holidays, never forget how important it is to find ways to give back to the community in Lees Summit, MO. Giving to those in need can also bring great joy to you and your family all year round. Here are some ways to give back and contribute to your community now.

1. Donate old clothing to your local shelter.

Collect all your old clothes and particularly coats that are clean and in good condition, to those who cannot afford apparel this season. With the cold vast approaching, even a few items will make a major difference.

2. Deliver a meal with the disabled or medically ill.

Everyone loves a satisfying meal, but there are many disabled or otherwise medically ill who cannot leave their homes. Help deliver hot food to someone who cannot travel or commute to family and friends this joyous season.

3. Collect canned foods and donate to your community food bank.

A great way to give back is to donate canned goods. Look for non-perishable items and perk up your giving spirit for someone who really needs it this winter.

4. Help serve meals to the homeless at your local shelters.

Homelessness exists year-round but is especially rough during the winter season. Help fight the gloom by volunteering to serve satisfying meals at your local shelter.

There is no need to sacrifice too much time or money to give back. Simply look to your charitable spirit and appreciate every blessing. Life can change in the matter of seconds so help those in need and make sure to have protection from a reliable insurance agent like Epic Insurance.

 

Protect Yourself and Your Belongings from Fires and Short-Circuits

Tenants are sometimes surprised to learn that they might be held responsible for a fire-causing short circuit. If you rent an apartment in Lees Summit, MO that has an electrical short circuit, whether you or your landlord is held responsible for any damage that the short causes will be determined by your lease and Missouri’s state laws. If you’re held liable, you’ll want to have a renters insurance policy that will protect you.

Renters Insurance Protects Renters

In a multi-unit building, the expenses related to a short circuit can quickly add up. For example, if your electrical system is overloaded and shorts, you might be held responsible for the:

  • cost of having an electrician make an emergency, after-hours call
  • loss of your personal possessions that suffered fire or smoke damage
  • any fire or smoke damage that the building suffered
  • any loss that other tenants suffered as a result of the short

Renters insurance provides you with a means of protecting yourself against this risk. Depending on a policy’s terms, it may reimburse you for the loss of your possessions through personal property coverage and provide financial protection for the other expenses through personal liability coverage.

Our Agents Help Renters

If you don’t have renters insurance that provides you with this level of protection, contact our independent insurance agents. At Epic Insurance, LLC, we’ve helped many tenants in Lees Summit and other parts of Missouri find renters insurance that provides robust protection against a host of risks. Our agents would be glad to look at every insurer’s policies to find you one that affords the protection you need. To reach one of our agents, you can either contact us at Epic Insurance, LLC by calling us our emailing us through our website.