The Luebbering Insurance Agency LLC team is knowledgeable and informed about the commercial insurance issues that affect the Jefferson City, MO business community. If your firm is considering upgrading its commercial insurance policy to one more comprehensive, give us a call.

Benefits of comprehensive commercial insurance for Missouri business owners

The main benefit of a comprehensive commercial policy is added protection. You will enjoy higher policy limits for important coverage like liability protection. There are also other types of protection that you can receive:

• Key personnel protection – this protection comes into effect if a person who is key to your company’s success dies or is otherwise incapacitated. This can help any interruptions that may occur during a transition period.
• Business interruption coverage – just as the name implies, this type of protection comes into play if a covered event disrupts your firm’s operations. It can be pivotal in helping your company rebound from a catastrophe.
• Fleet insurance – a comprehensive policy that covers your commercial fleet is often a must for any company that relies on its vehicles to get the job done. If your vehicles aren’t on the road, your business can suffer irreparable harm.

These are just a few examples of the protection that comprehensive commercial policies can provide. Give us a call today to learn more.

Let our team help you with all of your commercial insurance needs

Luebbering Insurance Agency LLC is proud to serve the insurance needs of Jefferson City, MO area business owners. Call us today if you have questions about how comprehensive commercial insurance can benefit your Missouri company. We look forward to helping your business with all of its insurance needs.

If you run a small online business, you might think you don’t need commercial insurance. After all, you don’t have a physical space to run your business, meaning no risk of fire, theft, or vandalism. However, the truth is that e-businesses face risks, just like brick-and-mortar businesses. And for this reason, you should consider commercial insurance to cushion your business. So, if you are in Jefferson City, MO, and the surrounding area, please reach out to Luebbering Insurance Agency LLC for a tailor-made business insurance policy.

Depending on the nature of your business, here are commercial insurance coverage options to consider:

• General liability insurance: Whatever business you run, liabilities are never out of the picture. And since liability claims can be costly, you must invest in business liability insurance to cover your business when accused of property damage, bodily, and advertising injury. Plus, this coverage pays for attorney fees and settlement claims when sued.
• Property insurance: Have a storage facility? Do you deal with inventories? You must invest in property insurance to protect your assets from perils like fire, theft, etc. Property insurance doesn’t prevent risks but reduces your financial burden when perils strike.
• Cyber liability insurance: While news of corporates suffering cyberattacks usually gets a lot of coverage, the same risk is rife in small businesses. A simple click of an email may cause data breaches, leading to huge financial consequences.
• Worker’s compensation insurance: How could we forget about worker’s comp insurance? This coverage protects one of your most valuable assets: your employees. Worker’s comp insurance covers the medical bills for your employees when sick or injured in the workplace.

Depending on the nature of your business, you may need more than the above options. So, please reach out to Luebbering Insurance Agency LLC for tailor-made advice.

When you have a motorcycle, you already know that there are risks on the road. This is what you have motorcycle insurance for.

Still, the liability insurance you get for your minimum requirements for Missouri Motorcycle Insurance may not be enough. At Luebbering Insurance Agency LLC, we know that motorcycle collisions happen all the time in Jefferson City, MO. 

Learn about the top three causes of motorcycle collisions here, and you’ll be closer to avoiding them.

Left-Turning Vehicles

Cars or other motor vehicles that are making left turns are a significant risk to motorcycle riders. They do not see bikers the way you do. You could be in danger of being hit by a left-turning vehicle. It is a common cause of bike collisions, more common even than speeding or drinking and driving.

When you are on your bike, watch for left-turning vehicles and think ahead when you are on the roads.

Lane Changers

Lane changing is the second most common cause of motorcycle accidents. That is because cars have blind spots, and too often the motorcycle is in the blind spot. Even when a driver checks the blind spot, a biker could get hit when a car changes lanes.

Keep a safe distance behind vehicles when you are on the roads. Try and see ahead to where the blind spots are, and ride to stay out of them.

Drinking and Driving

When a driver is impaired, the risk of accidents is increased. This kills a large number of motorcyclists on the roads every year. It could be the rider that is impaired, or it could be another driver. 

Monitor your own consumption before you go on the roads, and stay alert when you are riding.

Update Your Motorcycle Insurance Policy

Staying alert and being proactive are great ways to stay safe on the roads. You can update your motorcycle insurance policy at any time to add an additional layer of security. At Luebbering Insurance Agency LLC we want Jefferson City, MO motorcyclists to be prepared and protected for every risk. Call us for a quote today.

Boat insurance is an important type of coverage that every boat owner should have. If you have a bank loan to finance your boat, the lender likely requires you to have boat insurance to protect their investment. However, boat insurance is not required in Missouri, and some boaters have not gotten boat coverage for that reason. However, no boater should be without it. If you have a boat that isn’t covered, call us at Luebbering Insurance Agency LLC in Jefferson City, MO to find out more. 

One of Your Possessions

Just as you insure the things in your home and/or the home itself, boats are another one of your possessions to insure. They represent an investment of time and money, and they should be insured like your other vehicles. If you don’t have your boat insured, you run a number of risks. These can include boating accidents that cause injury and property damage. Your boat can crash into another boat or into another object. Weather conditions can change rapidly and cause an accident. Your boat could become grounded. Flooding could cause an accident. When you’re insured, those situations can be paid for by the policy instead of it coming from your own pocket. 

Boating in Missouri

Boat accidents occur regularly in Missouri, and there are even fatalities that occur. More than 150 boat crashes a year happen in the state. Sometimes this is due to intoxication while others happen because of serious water conditions. Passengers fall overboard, and there have been fatalities from this. Most of the boat accidents in the state happen between May and August with most falling on the weekends. If you like to take the boat out on the weekends, these are some of the risks you face. 

Get Your Boat Insurance

If you need boat insurance, call us at Luebbering Insurance Agency LLC in Jefferson City, MO. 

The feeling of cruising down the streets with a motorbike is out of this world, not to mention the cheap gas. However, motorbikes are high- risk mode of transport than motor vehicles. One small mistake and the fun would turn fatal in an instant. That’s why it’s important to have a safety net that covers you against the dangers you face while riding your bike. Motorcycle insurance is that safety net.

In an unfortunate event, you can rely on your motorcycle insurance to pay for the necessary expenses. That said, motorcycle insurance comes with lots of benefits, and that’s why you need one if you are in Missouri. Let’s explore the benefits as prepared by Luebbering Insurance Agency LLC.

You are compliant with the law

The law in Missouri state that one should show proof of insurance before registering your motorbike. Riding an uninsured motorcycle can result from licensing suspension, fines, and much more. Most people probably get the policy on the right side of the law, but there are other great benefits.

You get medical coverage

In an accident with some injuries, the medical coverage steps in and pays for medical expenses, making sure your pockets aren’t wrecked.

You get liability coverage

Man is to error, and everyone can make a mistake. Even the most experienced rider can cause an accident. If you cause an accident and result in property damage or bodily injuries, the insurance pays for the consequent expenses.

You get help in emergencies

Suppose you run out of gas or have a flat tire or an engine failure, your motorcycle insurance steps in such situations. You get to receive immediate help to get you back on the road ASAP. Even if the situation requires towing, you get the services. 

Motorcycle insurance in Jefferson City, MO

Many benefits come with purchasing motorcycle insurance. However, it would be best if you talked to your insurance agent to get the right coverage. Ready to purchase your motorcycle insurance in Jefferson City, MO, and its environs? Contact Luebbering Insurance Agency LLC for an affordable quote.

Renters Insurance Requirements in Missouri

Renters insurance offers protection for valuables and possessions when you are renting an apartment, house, condo, or any dwelling with a landlord. Landlords typically have insurance to cover their property against damage and other incidents, not your valuables. If you want to protect your possessions against theft or damage, you will need to get renters insurance.

While the state of Missouri does not require individuals to have renters insurance, it is still an option that is recommended. The agents at Luebbering Insurance Agency LLC of Jefferson City, MO will help you find the best renters insurance at great rates.

Getting Quality Renters Insurance

Renters insurance will protect your valuables like electronics and jewelry. It can include:

• Liability – When you are liable for damages or injuries to others, liability kicks in. This insurance can help with legal costs for covered claims.
• Medical Payments – Medical expenses and other costs will be paid to others when injurious accidents happen on your property.
• Personal Property – Protection for possessions and personal property that can include disaster coverage such as fires or hail.
• Extra Expenses – This can be useful when you are displaced from an uninhabitable dwelling due to a disaster. It will help with lodging and other expenses.

These are only a few options available for renters insurance. This insurance type is very customizable, so discussing your needs and options with an experienced agent will help you get the coverage you need.

Professional Insurance in Missouri

Contact us at Luebbering Insurance Agency LLC of Jefferson City, MO to discuss your renter’s insurance options. We offer a range of insurance products at competitive rates. Our licensed and experienced agents look forward to serving all of your insurance needs.

Jefferson City, MO is a city in the heart of the state of Missouri, boasting The Missouri Museum of Military History and serves as the capital of Missouri. It boasts two main rivers, The Osage River to the east and the Missouri River to the west, both of which merge in the heart of the city.

Because of the volume of water coming through the Missouri River and the smaller Osage River, too much rain equals trouble.  Residents of Jeff City, as it is commonly called by locals, understand the risks they face in this area of Missouri. They are aware of the flood stage of the rivers that run through and around the town and most of them know when they are in danger of a flood.

Still, some don’t seriously consider flood insurance because they believe it is too much insurance or they choose to take their chances.

But, just as with any type of insurance, you should consider the costs.

Something to Think About

What would it cost to replace or repair your home or business if a major flood hit your area? If you live in Jefferson City, MO, your chances are fairly high that you could experience at least minor flooding at some point. 

Luebbering Insurance Agency LLC

At Luebbering Insurance in Jeff City, they understand the temptation to take the chance and not get insurance. But the risk is too great. Without insurance, most people would be forced to leave their homes and rebuild, all with out-of-pocket expenses or new loans. Can you really afford to take this chance?

The easiest way to ensure you won’t have to do this is to have adequate flood insurance from a trusted source like Luebbering Insurance Agency LLC. Visit their friendly agents today and stop worrying every time it rains.