Lana Insurance Center Inc

1259 South Broad St
Wallingford, CT 06492

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Types of Commercial Insurance for Small Businesses

Small business owners have different insurance needs than large companies. These needs are also different than personal insurance needs. Selecting the right commercial policies are important for the stability of your business. If you are a small business owner in Wallingford, CT, consider commercial insurance from Lana Insurance Center Inc. 

Commercial Liability

Most small businesses will need a general commercial liability policy. This policy will cover claims from damage or injuries that occur on your business property. If you have a physical business, you will need a general liability policy. It may also cover libel and slander claims. 

You might need professional liability as well. General liability covers claims not related directly related to your product or service. Professional liability covers claims that come from defects in your work or product. If someone slips inside your store, general liability will cover it. If you make a surgical mistake, it would be covered by professional liability. 

Commercial Property Insurance

Commercial property insurance covers buildings on your property and their contents. This includes business equipment and inventory. This coverage is needed for stores, factories, warehouses, and office buildings. If you own a home-based business, you may still need a commercial property policy to protect expensive business equipment and inventory. 

Worker’s Compensation Insurance

If your business has any employees, Connecticut law requires you to have worker’s compensation insurance. Sole proprietorships are exempt from the requirement. Worker’s compensation will cover injuries and missed work time if an employee is injured on the job. 

Choosing the right commercial insurance policies can be difficult. Our friendly agents will learn about your business and your specific needs so they can make the right recommendations. Contact Lana Insurance Center Inc. in Wallingford, CT to learn more about our policies. 

Choosing Home Insurance That Meets Your Needs

When it comes to home insurance, it’s vital to choose a policy that meets your needs. If you’re in the Wallingford, CT area, Lana Insurance Center can help you find a policy that’s going to work for you. Our dedicated agents understand that insurance is a personal choice and that the coverage you select should fit your lifestyle and protect you properly. You don’t need to settle for anything less than that.

Meeting your needs can mean everything from a full suite of coverage options to the most basic type and level of protection and everything in between. If you have a mortgage on your home, you’ll also need to consider that your lender may have requirements for the kind of coverage you’ll be asked to carry. That’s the beauty and value of having options and a trusted company that’s on your side and committed to helping you find the right policy. What’s right for your situation might not be right for someone else, and that’s perfectly fine. We offer several policy options for you to consider, and we’re happy to answer your questions so you can have the right policy along with plenty of peace of mind.

If you’re in or near the Wallingford, CT area, reach out to us today at Lana Insurance Center and let us help you find the best home insurance policy for your specific situation. We know that good coverage is critical, and proper insurance can help you feel secure in your home. Whether you’ve lived there for a long time or you’re just moving in, being properly insured is an important part of homeownership. Not only can it protect you if something goes wrong, but it lets you enjoy life without nagging worries about your home in the back of your mind. Let us help you let go of those worries today.

What First-Time Homebuyers Need to Know About Home Insurance

First-time homebuyers make up approximately 33% of all buyers, according to the National Association of Realtors. As a first-time homebuyer, you’re new at this. You’ve never done it before, and your lack of knowledge could cost you time and money with home insurance. Griffin Insurance Agency in Mooresville, NC specializes in working with first-time homebuyers. So, here are some tips you should know if you’re a first-time homebuyer in need of home insurance.

Start Looking for Coverage Options Early

We offer quotes for home insurance coverage no matter where you are in the home-buying process, but it’s better to start early so you have a better idea of the cost. We can make sure you get reliable coverage for your new home.

Determine the Best Insurance Value

As your local insurance provider, we help you understand what level of coverage you need and what that will look like for premiums. Your home insurance does not have to cover the full market value.

What to Consider in Home Insurance Coverage?

We work with you to deliver the level of coverage that you need, based on your unique circumstances. There are overarching home insurance considerations for all new homeowners.

Personal Property

Check the limits for personal property to see coverage and liability. We work with you to determine how to increase that coverage if needed to cover your most valuable belongings.

Guest Medical

This coverage pays the person’s medical expenses when he/she is injured on your property.

Dwelling Coverage

This coverage protects the structure of your home.

Liability Coverage

This type of coverage protects you if a person sues you because of an injury or fault with your property.

Additional Living Expenses

When a covered damage-and-repair situation makes it impossible to live on the property, this coverage pays for your living expenses, including a hotel room.

Exclusions

Check the exclusions for your policy. We can work with you to determine if you need additional coverage to mitigate exclusion situations.

Schedule an Appointment with Griffin Insurance Agency

Our goal is to make the process of getting your home insurance for your new home as quick-and-easy as possible. That’s why we quickly respond to your needs, and we offer our recommendations for the coverage to protect your new home. We’re here to answer all your questions and walk you through the entire process. It’s the right coverage at the right price for you. Learn more about auto insurance from Griffin Insurance Agency in Mooresville, NC.

A Look At What Medicare Plans Insurance Entails

Located in Wallingford, CT, Lana Insurance Center Inc. strives to help residents throughout Connecticut find the insurance coverage that they need. We offer our clients a variety of different insurance policies.

Medicare Plans Insurance

Lana Insurance Center Inc. offers Connecticut residents Medicare plans. The policy contains several different plans.

Medicare Advantage

Medicare Advantage Insurance covers your medical services at facilities within a specified area. In addition to your prescription drug coverage, your policy may also include medication therapy management. You can also add extra benefits to your policy, such as vision, dental, and hearing.

Medicare Supplemental Insurance

Medicare supplemental insurance is an additional policy that provides unique benefits, such as covering you if you decide to seek treatment outside of the United States. Medicare supplemental insurance is intended to assist people who have Medicare Part A and Part B. This policy covers you if you are admitted to the hospital for an extended period.

Medicare Part D

Medicare Part D covers you if you are using self-administered prescription drugs. Medicare Part D will protect you so that you can receive the care that you need. It’s crucial that you research which drugs are covered under Medicare Part D.

Hospital Indemnity Plans

Hospital Indemnity Insurance will cover you if you are admitted to a hospital for a condition that may not be covered under your other policies. Hospital Indemnity Insurance can cover any deductibles, as well as food expenses. The insurance will also cover your rehabilitation process. With Hospital Indemnity Insurance, you can focus on getting better while your stay is covered.

Consult With Lana Insurance Center Inc.

Stop by our office in Wallingford, CT. We will help you evaluate your options so that you can find the appropriate plan.

Will Condo Insurance Cover A Guest’s Possessions?

When you live in a condo in Wallingford, CT, your condo association will typically carry insurance that covers everything outside of the domicile, that is, the building itself, and any liability concerns arising in the general neighborhood. Your condo insurance, which you purchase yourself, will then cover everything inside the home. It functions more like renters insurance than home insurance in that way, including your possessions, the safety of those inside the house, and any liability concerns that are not listed as exclusions.

This means that there will be some coverage allowed for a guest’s possessions, as well as any injury they may suffer while inside of your home if you are held responsible for the incident in any way.

Just like with renters insurance, there are some exceptions, of course. If someone is injured while taking part in illegal activity, there’s a good chance that the insurance company will not honor the claim. If you have someone staying for an extended period, primarily living in your home as a roommate, you will need to call your insurer and let them know that your guest is a permanent, or semi-permanent, resident of the house.

Your condo insurance provider will honor the most reasonable claims made on damaged or stolen property belonging to a guest. They’re here to help you, after all. Just make sure that you keep them informed on anything out of the ordinary. If you’re hosting a big house party, if someone is staying for months on end, if they’re carrying exceptionally valuable goods with them (a typical policy covers up to $100,000 in liability coverage), let your insurer know.

If you’re shopping around for condo insurance in Wallingford, CT, get in touch with Lana Insurance Center Inc. Lana Insurance Center Inc. can get you the protection you need.

Protect Your Loved Ones with Life Insurance in Connecticut

Life is a fantastic gift that we get to enjoy to the best of our abilities, and it only comes around once. While it is hard to talk about what has to be done before you pass away, it is unavoidable. There is no perfect time to bring up life insurance as a discussion around the family. However, it is imperative to talk about it before it is too late.

We are Lana Insurance Center Inc., based in Wallingford, CT, and we have served our local clients for three decades now. A family-owned company that believes everyone deserves the right insurance policies in their lives. One of the most important types of insurance policies to have is life insurance. However, there are no laws or requirements in the state of Connecticut to have life insurance. To work hard your entire life, and have good lifetime memories with your family, those are the most important parts to protect even when you pass away. 

Life insurance is a safety net that helps your loved ones with bills, providing for themselves, paying for funeral expenses, and more. We are happy to talk to you about every single detail that you need to know about a policy that works best for you and your family. We have a variety of options for you to choose from, and we will do our best to make sure you leave our office happy and at ease.

Would you like to set up a consultation meeting at our office? You can contact us via phone during our business hours at (203) 284-8801. Our agents at Lana Insurance Center Inc. will be happy to help answer your questions and find you a quote.

Collision coverage and your auto policy

Collision coverage is essential because it is the only way a driver is covered from damage to their vehicle. Without collision coverage on an auto insurance policy, the driver will have to pay for all of the damage to their vehicle out of their pocket. Collision coverage is also required in most situations where a car is financed or leased. Lana Insurance Center Inc. provides collision coverage in Wallingford, CT, and nearby towns. 

Collision coverage and deductibles

As the name implies, collision coverage is part of an auto insurance policy that will assist a driver with paying for damage to the body of their vehicle due to an accident. Note that this is only for accident and theft, and other losses are covered under different sections of the policy. 

Deductibles are one of the most critical parts of the collision coverage. This deductible is meant to represent the initial amount that the driver must pay before their insurance coverage will begin to pay for the rest of the damage. As a general rule, drivers can choose to pay a higher policy premium so that they will owe less of their own money in the event of an accident. An insurance provider will recommend a deductible that is right for the policyholder based on their financial needs. Some high-risk drivers may choose to pay upfront for a lower deductible, while others who drive less may want a higher one because accidents are less likely. 

Learn more about your auto insurance policy and collision coverage

Additional questions about how collision coverage will work on your policy can be directed at agents from Lana Insurance Center Inc. We serve the Wallingford, CT area with various kinds of auto insurance policies that help all sorts of drivers. 

Do Food Trucks Need Commercial Insurance?

Food trucks have become incredibly popular in the last few decades, which is why many people may not know what type of insurance is right for that type of mobile business. Do they need automobile insurance or commercial insurance? Before starting a food truck business, it is imperative to know what kind of insurance is required and will protect the owner from losses due to a variety of risks. 

Do Food Trucks Need Commercial Insurance?

In a sense, food truck insurance is commercial auto insurance but has the qualities of a hybrid policy. This type of insurance protects the vehicle as well as permanently installed equipment and appliances. Additional coverage for contents, much like RV insurance, may be available with some providers and policies. Make sure to have an experienced agent assist with the policy selection as well as explain all of the terms and conditions before finalizing the policy agreement. 

Finding The Right Coverage

It can be confusing when trying to shop for specialty insurance alone. That is why people who are looking for food truck insurance should work closely with an agent. People who live in or near the Wallingford, CT area can count on Lana Insurance Center Inc. to help them get the policy they need to protect their investment from potential hazards and gaps in coverage. In addition, they can help file claims or assist with policy adjustment as the food trucks grow and change to its business plan over the course of time. 

Those who are searching for high-quality food truck insurance or any commercial policy should call or stop by Lana Insurance Center Inc., serving the residents in and around the Wallingford, CT area today. We can get the ball rolling, so finding the right policy is quick and easy. 

What Happens If You Don’t Have Enough Home Insurance To Cover The Current Value Of Your Home?

Home insurance is designed to offer protection from a variety of threats and risks throughout owning a home. That is why it is important to have enough home coverage to ensure there aren’t gaps in coverage that can cause huge out of pocket expenses. Anyone who is considering increasing their home insurance or purchasing a new policy should evaluate the current value of the home and make sure that the policy value is for the same or just over the current value. 

What Happens When There Isn’t Enough Home Coverage?

Not having the right amount of home insurance can prove to be disastrous. In cases where there is a total loss to the home, and the amount of coverage is less than the current value of the house, the homeowner will have to pay out of pocket to cover the remaining cost to replace the home or purchase a new property. When purchasing insurance, you may choose to buy a policy that will pay the value of the house at the time of the policy agreement. If that is the case, there may need to be an increase in the amount of coverage if the property values increase. Other types of home insurance offer replacement cost value to reflect the current price of materials and labor to repair or replace a covered home. 

Finding The Right Policy

People who are shopping for a home Insurance policy should seek the assistance of a professional, licensed insurance agent so they can get the right type of coverage. Residents living in the Wallingford, CT area can count on the agents of Lana Insurance Center Inc. to guide them in the right direction and offer sensible options that prevent gaps in coverage. 

Don’t take chances with home insurance coverage. Having gaps and inadequate coverage can spell financial ruin in some cases. Call or stop by the office of Lana Insurance Center Inc. to find out why Wallingford, CT residents can feel confident about their level of home insurance coverage. 

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