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Brandywine Insurance Group

2 Ponds Edge Drive
Chadds Ford, PA 19317

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Can a Commercial Insurance Policy Save You Money?

For those who are looking for reasons to invest in commercial insurance, there are more than a few to take into consideration. For now, let’s take a quick look at the many ways in which commercial insurance can save you money. 

When you don’t have commercial insurance, you are essentially leaving yourself wide open to lawsuits. Whether it be a lawsuit that has truth and legitimacy to it or a lawsuit that is completely fueled by lies, you need to make sure your company is protected with commercial insurance. You never know when something might happen, but with commercial insurance, you can have peace of mind in knowing that you won’t lose your business or personal assets due to a lawsuit. 

Having commercial insurance can also save you money by helping to protect during and after a disaster. Let’s say for example that your place of business is vandalized and many important documents are stolen. What happens to all that private customer data? Are you going to be held liable for the data that was stolen? You very well may, but with commercial insurance, you can keep yourself protected. 

To ensure you have a commercial insurance policy that adequately meets your needs, it is of the utmost importance that you speak with a qualified insurance specialist who can assess your needs and customize a policy for you. If you would like to learn more about the ways in which commercial insurance can save you money, please contact Brandywine Insurance Group today. This insurance company serves the Chadds Ford, PA area and is ready to meet any and all of your insurance needs. 

5 Questions to Ask Before Buying Commercial Insurance

The process of purchasing a commercial insurance policy is not as straightforward as many business operators would assume. Rather than review all possible scenarios that are likely to occur, many prefer to choose policies based on the price. Brandywine Insurance Group is serving Chadds Ford, PA, and recommends that you ask the following questions before you settle on a commercial insurance policy:

1. What are Your Business Risks?

Here, you need to think about all the aspects of your business. Consider:

  • The kind of business you engage in. Are you providing a professional service?
  • How do you transact your business? Do you visit your clients or do they come to you?
  • What kind of resources do you rely on? What technology, machinery, equipment, and utilities are required for you to run your business effectively?

Having gained a good picture of the business, you should now start to imagine everything that can and could go wrong.

2. What Kind of Insurance Do You Require?

Given that you now know the kind of risks you face, as well as what you have to protect, start looking at the available policies. You should also determine whether there are legislative requirements or industry membership requirements for your profession. Common covers available for businesses include:

  • Public liability coverage
  • Cyber liability coverage
  • Professional indemnity coverage
  • Management liability coverage

3. Do you have Employees?

As the business operations expand, you will need to hire people to assist you in service provision. If you already have or intend to hire employees, there are certain types of commercial insurance you may need to get. They are:

  • Workers compensation insurance
  • Employers practices liability insurance

4. Do You Rent or Own the Business Premise?

The need for additional commercial space means that the business has started growing. If you own or have leased a commercial facility, you may have to get commercial property insurance. It protects the business structure from damages from fire or other named perils.

5. Do You Have Cash Saved in a Bank?

An umbrella insurance policy can provide you with an added layer of protection for a small investment. It is a coverage that can also be applied to multiple policies such as non-owned auto and general liability.

For further queries on commercial insurance, be sure to call or visit Brandywine Insurance Group, serving Chadds Ford, PA, and the surrounding areas. We will be more than happy to answer all your questions. 

Different Kinds of Motorcycle Insurance

There really is nothing like the sun on your face as you ride your motorcycle down the highway. It is a joy you can really only understand if you’ve done it before. Of course, like any other vehicle, you’ll need to invest in the proper insurance. At Brandywine Insurance Group, we are here to help you connect with the right kind of motorcycle insurance, whether you live around Chadds Ford, PA or the surrounding area.

Comprehensive and Collision Coverage

In the event of an accident, you need to make sure your vehicle is protected. With comprehensive and collision coverage, your bike will be covered. This way, whether it was knocked over or you had to skid to a stop in order to avoid an accident, you’ll have coverage to repair your vehicle. 

Trip Interruption Coverage

This is a great form of insurance if you’re planning on an extended road trip. You never know when something might go wrong with your bike, and sometimes it’s just not possible to have the necessary repair parts on hand. With trip interruption coverage, your hotel will be covered, and you’ll also receive money for food and other activities while your motorcycle is repaired. 

Towing and Labor Coverage

In need of a tow? You normally would have to pay out of pocket in this event. You will be able to avoid this kind of an expense when you invest in towing and labor coverage. You’ll have it picked up and taken to the necessary garage for repairs. 

These are just some of the different motorcycle insurance options you need to consider. At Brandywine Insurance Group, we’re here to work with you and to make sure you are properly protected. So no matter if you’re riding in Chadds Ford, PA or somewhere else, you’ll always have exceptional coverage.

Answers About Commercial Insurance to Frequently Asked Questions

If you own a business in the Chadds Ford, PA area, you probably know that a wide variety of unexpected events or situations can happen to a business.  It doesn’t matter if the company is a one-person operation or a large organization, all businesses need commercial insurance.  Here are the answers to the most frequently asked questions.

  1. What is commercial insurance? Commercial or “business” insurance encompasses the different types of coverage available to protect business owners.  Commercial insurance coverage can include protection for company-owned property, liability protection, health insurance for employees, and much more.
  2. Why do you need it? To protect the business venture you’ve worked hard to build.  Any business can be sued, suffer losses due to unexpected damages to company product or property, or an unavoidable interruption in company operations.
  3. What types of commercial insurance are available?  The main types include policies for property and casualty protection, commercial auto insurance, liability coverage, business interruption protection, employee health, life, disability, and workers’ compensation.
  4. Are their options to bundle the different types of business insurance you need?  Yes. Business owner’s often combined their policy needs into a less expensive package deal.  Insurance packages can be created for small to large businesses and can be tailored to your company’s unique needs.
  5. How do you go about buying commercial insurance?  You need to go through an insurance professional to purchase insurance.  The best way to buy the business insurance you need is to make informed decisions with the help of an insurance professional like those at Brandywine Insurance Group.

Brandywine Insurance Group

We provide commercial insurance to businesses in the Chadds Ford, PA area. Contact an independent Brandywine agent today so we can help you make the best insurance choices to protect your business.

Minimum Motorcycle Insurance Requirements in the State of Pennsylvania

Because of the expenses that can come from motorcycle accidents, Pennsylvania riders must prove to the Pennsylvania Department of Transportation (PennDOT) that they can handle the potential costs that can come from a motorcycle’s operation. They must have an acceptable amount of liability insurance on the vehicle, or they can choose to self-insure. The State of Pennsylvania has guidelines on how riders can prove financial responsibility. They must have a minimum amount of bodily injury and property damage liability coverage, or they will have to fill out an application form if they want to self-insure. They will also have to provide a current balance sheet and pay a security collateral of $50,000 to PennDOT.

Minimum Liability Insurance Requirements

Unless they choose to self-insure, Pennsylvania riders must have the following minimums in liability coverage:

  • At least $15,000 in bodily injury coverage for any death or injuries to a single person because of an accident.
  • At least $30,000 in bodily injury coverage for any deaths or injuries to more than one person because of an accident.
  • At least $5,000 in property damage coverage for any single accident.

While these are the minimum requirements, it’s always a good idea to get more coverage if you can afford it because it will minimize any potential liabilities that can come from an accident. And it’s best to shop around so you can find an affordable plan.

If you live in Chadds Ford, PA, Brandywine Insurance Group can help you find a motorcycle insurance policy that will meet your needs and fit your budget. And we have agents who will be happy to sit down with you to discuss your needs. If you want someone to meet with you so we can talk about the available options, be sure to get in touch with our office today!

Helmet Requirements in the State of Pennsylvania

While many states are more lenient, Pennsylvania has strict helmet requirements. Any rider under the age of 21 and has held a motorcycle license for less than two years must wear a helmet while they’re riding, and they must complete a safety course from PennDOT or the Motorcycle Safety Foundation.

If you have any questions about any motorcycle insurance regulations in the State of Pennsylvania, Brandywine Insurance Group can help you get the information you need. We have been serving the people of Chadds Ford, PA for a long time, and we have a team of expert agents who can help you with all your insurance needs. Get in touch with us today to find out what we can do for you!

Commercial Legal Liability and Other Insurance Helps Protect your Business in Chadds Ford, PA

If you have a small business in Pennsylvania, you have no doubt heard horror stories regarding frivolous lawsuits filed against other owners. You need insurance that covers your liabilities without breaking the bank. Your  Brandywine Insurance Group agent in Chadds Ford, PA can walk you through the types of business insurance available and which coverage you should include in your business.

Pennsylvania is a fairly hostile state in terms of the number of business sued each year. Keep reading to learn the types of business insurance coverage available.

About Commercial Liability Insurance for PA Businesses

Pennsylvania doesn’t require commercial liability insurance for businesses operating in the state. However, it’s ranked 46th among states with tough laws that make it harder to avoid a liability judgment. So, commercial liability insurance, or business liability insurance, protects you from a catastrophic financial loss in the event of a liability claim. This covers events that take place in your business or anywhere you do business (for example, completing an installation in someone’s home as part of your business) in Chadds Ford, PA.

There are the types of Business 

  • Bodily Injury pays for physical damage to someone else at your place of business. 
  • Property Damage covers damage that’s your fault or the fault of an employee regarding someone else’s property.
  • Advertising Injury any claims for losses caused by misleading advertising.
  • Legal Defense and Judgments cover you for what it costs to defend yourself against real and frivolous suits. It also pays for judgments up to your coverage limit. However, the policy may not include punitive damages due to negligence or purposeful misconduct.

Contact Us

Contact us at 610-335-1888, so your  Brandywine Insurance Group agent in Chadds Ford, PA can answer questions about your current or new system.

Should I Put My Teen on My Auto Insurance?

One of the most common questions that car owners have is whether or not they should put their teenage son or daughter on their auto insurance plan. There are several things to keep in mind concerning your auto insurance plan and teenage drivers, so review the following factors before making your final decision.

• As a standard rule, as soon as your child gets their drivers license, you are required to insure them as an operator on your policy. You don’t necessarily need to let your insurer know when they get a learner’s permit, but as soon as they graduate to a full drivers license, it’s time to add them to your insurance.

• In general, any time you add a teenage driver to an insurance plan, your premium rates will probably go up. This is simply because new drivers are more likely to get into accidents than seasoned drivers.

• There are some things that teenagers can do to help reduce car insurance rates. For example, those with at least a B average in school are often given a good student discount. Furthermore, if your child has a clean driving record, this can lower premium rates as well.

Call Brandywine Insurance Group for More Information

If you’re a Chadds Ford, PA resident who has questions about adding your teen to your auto insurance plan or if you’re looking for a new auto insurance plan, please feel free to contact Brandywine Insurance Group.

We are proud to serve Chadds Ford, PA residents and would be happy to speak with you about your questions and concerns or show you auto insurance plans that could benefit you and your family. Stop into our nearest location today or give us a call at your earliest convenience. We look forward to hearing from you!

5 Ways to Maximize Your Family Road Trip Experience

Road trips are a great summer tradition enjoyed by thousands across the country. If you’re taking your first road trip this summer, the following tips can help make it an awesome experience.

Choose a Good Vehicle

Before selecting a road trip vehicle, make sure it’s up for the task. Have a professional mechanic inspect your vehicle inside and out to include checking fluids, belts, brakes, steering, tires and any other aspect that may give you trouble. Get a clean bill of health from your mechanic before traveling.    

Make a Plan

Make a tentative plan of where you want to go and how to get there. Decide ahead of time on how you want your trip to play out. Where do you want to stop? What do you want to see? Who do you want to meet along the way? Getting your fellow travelers’ input and agreement for whatever plan is made will minimize contentions on the road.   

Learn from Experts

When making road trip plans, consult the experts who have gone before you. Check out tourist guides and websites for where you want to travel for points of interest, places to eat and stay as well as attractions to visit in that area. Once there, talk to locals to get greater insight into their hometown or district.

Stay Flexible

Although it’s good to have a plan, stay flexible to changes and opportunities that may arise during your travels. There’s much to be said about spontaneity and being able to “follow the moment.”

Update Auto Insurance Coverage

Make sure you have adequate auto insurance from Brandywine Insurance Group, Chadds Ford, PA, for your travels. Auto assist coverage, in particular, could come in handy in case of unexpected breakdowns. For more information about auto insurance options and costs, contact Brandywine Insurance Group, Chadds Ford, PA.

3 Ways Commercial Insurance Helps Your Business

Commercial insurance is not one of the more glamorous business expenses you can make, but it may be one of the best. For the owners in Chadds Ford, PA, it may be what saves the company altogether. Commercial insurance may be the only source of income that you see should something go terribly wrong. See why it helps in more ways than one. 

1. Protecting Your Income 

The right policy from Brandywine Insurance Group doesn’t just repair your business if it happens to be damaged by vandals or during the last big storm. It can also provide you with the income that you would have made had the business been able to stay open for the full time. 

2. Quality and Consistency 

Everyone in Chadds Ford, PA understands if a business has to shut down for a few days because of an event outside of an owner’s control. However, what they may not understand is why some non-essential repairs were skipped over, or why a business has to shut down for weeks when other businesses were up and running far sooner. The more quality you can give your customers, the more they’ll come to respect your company. 

3. It Gives You a Port in the Storm 

Having no one to turn to when something goes wrong is almost as bad as something going wrong (and sometimes, it’s worse.) Brandywine Insurance Group has experienced agents who are here to guide you through the claims process, so you have someone to talk to when you have questions. It’s our job to be a light in a very dark time, and we take pride in serving the business owners of Chadds Ford. Not only that, but we help you pick the policy that is most likely to protect you. Call today!

Simple Tips to Increase Your Gas Mileage

Gas can be extremely expensive, so saving even a few dollars could help. The Brandywine Insurance Group in Chadds Ford, PA can offer you a few smart tips that can help you get the most out of your money and increase your gas mileage.

Maintain Your Vehicle

By keeping your vehicle in good condition, you can save money on gas. Under inflated tires are dangerous and costly. It could lead to an unexpected blowout or flat. You should make sure that you check your tires regularly and keep them properly inflated. Many vehicles have TPMS (Tire Pressure Monitoring System). The indicator light will illuminate when your pressure is less than 25% of the recommended tire pressure.

Drive More Carefully

Speeding and rapid braking can cost you more gas than is necessary. You could save up to 40% in fuel costs if you slow down. According to the Department of Energy, you’re wasting gas when you travel more than 50 mph on the highway. You could save up to 10% if you change your driving habits. Another way to save is by using cruise control. Because cruise control helps you maintain a consistent speed, it could save you money.

Hauling Heavy Equipment

Whether you’re carrying a load on top or hauling a trailer, heavy loads can increase your fuel economy. The extra weight generates more energy that needs fuel. When you’re finished with your vacation or long road trip, remove the excess weight as soon as you can.

You can expect to get quality information and service from the Chadds Ford, PA insurance agents at Brandywine Insurance Group. Stop by to discuss options concerning a new auto policy or amending your current coverage. Besides auto insurance, Brandywine Insurance Group also specializes in home, life, motorcycle, renters, umbrella, commercial, and boat insurance.