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Brandywine Insurance Group

2 Ponds Edge Drive
Chadds Ford, PA 19317

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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.


How to Take Care of the Paint On Your Car

Whether you own a vehicle that is 10 years old or one year old, it is imperative that you take care of it as best as possible. Not only will taking care of it help it to stay on the road longer, but taking care of its exterior will also help ensure it looks its best at all times. Here’s a few quick tips for taking care of your car. 

Wash it at least once a week

Some people avoid washing their car for months on end, but truth is, you should be washing it at least once a week. Even if the weather isn’t bad outside causing your car to get muddy, washing your car at least once a week helps the paint to last longer. Fortunately, just a simple rinsing three times a month and a deep clean once a month can do the trick. 

Wash with the right type of soap

If you are going to wash your car with soap and not just rinse it off, you should always make sure you are using the right type of soap to not make your paint fade. You will also need to make sure you are using the right type of cloth or sponge to wash your car with. And if you are going through an automatic car wash, make sure it has good reviews as some of them are well known for leaving scratch marks on cars. 

If you would like to learn more about taking care of the paint on your car the right way, or to learn about getting proper insurance coverage on your car, please contact Brandywine Insurance Group serving the Chadds Ford, PA area. 

5 Tips For Chadds Ford Homeowners

When you live in Chadds Ford, PA, it’s important to do what you can to protect your home. There are several things you need to know as a homeowner so you have less to worry about through the year.

Schedule Home Services

A variety of home services should be scheduled through the year. These protect your home and ensure you don’t take the DIY approach. Such things include:

  • Dryer vent cleaning
  • HVAC cleaning and maintenance
  • Drain cleaning and plumbing maintenance

Be Aware of Weather

Weather throughout the state varies across the year. You need to be aware of weather so you know when to act. For example, if it’s going to storm, be sure you bring things in that could otherwise blow into your home. If it’s going to snow, do what you can to minimize damage, such as draining water pipes so they don’t freeze.

Work with an Agent

At Brandywine Insurance Group, we have independent insurance agents who can help you with finding the right home insurance. This includes exploring coverage and getting the most discounts so your policy is affordable.

Secure Your Home

There’s a lot that you can do to secure your home in Chadds Ford, PA. You could choose to fence in your property, get a security system, and even invest in surveillance cameras. This deters crime and reduces the chance of your home getting broken into through the year.

Compare Premiums

The only way to know whether you’re getting a good deal on home insurance or not is to compare premiums. This means getting quotes from several companies that offer policies in Pennsylvania.

Find out more about becoming a responsible homeowner and getting affordable home insurance today. Call Brandywine Insurance Group and let one of our independent insurance agents help.

Homeowners Insurance Chadds Ford, PA

Homeowners insurance compensates an owner for property damages repairs and guest accidents after a risk incident. Protect yourself and your property with homeowners insurance, and eliminate the hassle of out-of-pocket replacement and repair of property, personal belongings, and even medical expenses.

Disaster Risk Events

Pennsylvania homeowners can protect their investment with an insurance policy covering costs associated with natural disaster damage to property. Repair a building’s structural elements, and replace personal effects with a homeowners insurance policy.

Liability Risk Events

Entertaining a guest can sometimes lead to a slip and fall. With liability coverage, a property owner must assume under law, which makes them responsible for costly medical expenses and legal fees. Homeowners insurance protects a property owner from “negligence” legal liability for hospitalization, treatment, and attorney fees following an injury claim.

Homeowners Insurance Coverage

Comprehensive Coverage – a full-coverage policy that protects a homeowner from costs for repair and replacement of property.

Individual Coverage –protects a family from a property owner’s debt obligations such as a mortgage or other outstanding monies owed, in the case of accident or death.

Packaged Indemnity Agreements – property protection for the value of real and personal effects from the cost of replacement after a theft or damage.

Combined Life Coverage – homeowners and life insurance coverage for property loss, personal belongings, as well as guest liability.

Protect yourself and your investment from the financial detriment of disaster or liability with homeowners insurance.

Request information about deductibles, claims, grace periods, and terms and conditions to homeowners insurance agreements available from your insurance broker.

Brandywine Insurance Group, Chadds Ford, PA

With a solid reputation for affordable and reliable insurance products, Brandywine Insurance Group of Chadds Ford, Pennsylvania is a specialist in auto insurance, boat and watercraft insurance, commercial insurance, condo insurance, homeowners insurance, life insurance, motorcycle insurance, renters insurance and umbrella insurance.

To find out more about homeowners insurance in Chadds Ford, PA, and obtain a quote, contact Brandywine Insurance Group.

Insurance Laws in Rural vs. Urban Areas

If you’ve recently moved to Chadds Ford from a busier urban area, know that the laws are pretty much the same throughout all of PA. Whether you live in Philadelphia or on a middle-of-nowhere plot of land or in a pleasant little small town like Chadds Ford, the law is technically the same wherever you go.

What changes is how you deal with your insurer, what kind of deals you can get, how much they’re going to charge you. How laws are enforced may change, as well. If a Philadelphia cop catches you without insurance, for instance, he’s not likely to make any exceptions in your case. In a small town, if he knows you, and knows you’re a safe driver, he might give you a pass, for now. That’s not something to count on, but it can happen.

One of the best things about living in a rural area or a small town is that your insurance rates are usually going to be lower across the board. If you’re a safe driver, that goes a lot farther in a small town than it does in the city. In the city, it doesn’t matter how safe you are, because you are at the mercy of every other driver on the road. In a small town, where you have a population that is generally skewing a little older, and you have fewer cars on the road in general, it’s just safer overall.

If you’re looking for a new policy now that you’ve moved to Chadds Ford, contact us, and we’ll get you all set up with some free quotes.

Why Home Insurance Is A Sound Financial Investment

When you live in Chadds Ford, PA, it’s important to be a responsible homeowner. This is why you should take the time to invest in a good home insurance policy. It will allow you to get the coverage you need in the event of having to file a claim because of damage, loss, or something else.

Financial Protection

A home insurance policy can provide you with a significant amount of financial protection. If you didn’t have a policy, you would be financially responsible for damage from a fire, replacing items that were stolen from the break-in, as well as lawsuits if someone injured themselves on your property. These various scenarios could add up to thousands of dollars – dollars you don’t have.

At Brandywine Insurance Group, we work closely with our clients in order to establish a sound financial investment. By creating a policy that covers your home, your belongings, as well as various liability scenarios, you have the financial protection in place.

The Cost of a Policy

Many people don’t focus on what their policy contains because they want the cheapest policy possible. However, the cost of a comprehensive policy may be a lot more affordable than you think. Increasing coverage in certain areas may only increase the cost of the premium by a small amount. This extra coverage could help to eliminate out-of-pocket expenses down the road is something major were to happen.

You can’t predict the future and therefore you need to rely on home insurance so that you can file a claim when something happens, whether it’s a fire, storm, a break-in, or something else.

It’s easy to learn more about home insurance in Chadds Ford, PA. Contact the Brandywine Insurance Group to begin searching for home insurance policies that work for you and your home today.