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4 Ways to Protect Your Business From a Lawsuit

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In today’s business landscape, lawsuits are becoming increasingly common. Whether your business is large or small, it can be costly and time-consuming to defend yourself against a lawsuit. At The Hansen Agency LLC, serving Canonsburg, PA, we understand how important it is to protect your business from legal action.

Here are four ways to reduce the risk of being sued and protect your business from a potential lawsuit:

1. Understand Your Legal Obligations

You must understand all the legal obligations of running a business, such as a contract, labor, and tax laws. Know what laws affect your company and stay up-to-date on any changes. It’s also a good idea to consult an attorney specializing in business law if needed.

2. Have Solid Contracts and Policies in Place

Ensure your contracts are airtight and have the necessary legal documents for your business, such as a detailed employee handbook. This will help protect you in the event of a dispute.

3. Practice Good Risk Management

Implementing good risk management practices can help protect your business from litigation. Have an up-to-date insurance policy that covers potential lawsuits, and make sure you know any laws or regulations that may be relevant to your industry. Having procedures for handling complaints or disputes can also help reduce the risk of a lawsuit.

4. Monitor Your Employees

Make sure your employees understand and follow company policies. Monitor employee behavior to ensure they follow the law and represent your company ethically. It’s important to address any issues promptly if violations occur, as this can reduce the chances of a lawsuit.

Secure Your Business Today With The Right Coverage

At The Hansen Agency LLC, serving residents of Canonsburg, PA, we offer comprehensive legal services to protect your business from a lawsuit. Our experienced attorneys are here to help ensure that your documents, contracts, and policies are up-to-date and legally sound. Contact us today to get started.

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How To Make Sure Your Home Has The Necessary Coverage

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One of the most important things you’ll ever do for your home is to make sure you have the right home insurance policy. With that being said, determining the necessary coverage is critical. When you have the right coverage for your home, you’ll have peace of mind knowing that you and your family are protected from unexpected events. The Hansen Agency LLC can help residents in Canonsburg, PA get the right home insurance protection.

Here are a few guidelines to follow:

Know What Your Coverages Mean

Your home is your castle, so you need to make sure it’s properly protected. That means having the right insurance coverage in place. But what does that really mean? Here’s a quick rundown of the different types of coverage that are typically part of an insurance policy.

  • Dwelling: This is the basic coverage that will protect your home and belongings in the event of a fire, theft, or another covered disaster. Make sure you have enough coverage to rebuild your home if it’s completely destroyed.
  • Liability: This coverage protects you personally from any injuries or property damage that you cause. It’s especially important if you have children living at home, pets, or other people who may be at risk of injury in your home.
  • Personal property: This covers your belongings, including clothing and jewelry. To make sure you have enough coverage for all of your possessions, go through them and make an inventory. Then add up the total value of all of your things.
  • Temporary living expenses: This covers your living expenses if you have to live elsewhere while your home is being repaired or rebuilt. You may need to hire a contractor, buy materials and food, or pay for temporary housing.

Get The Right Coverage For Your Home Today

There are also common questions we get regarding deductibles, how much coverage to buy, and what’s covered by a home insurance policy. For more info, please give us a call or request a quote. The Hansen Agency LLC  is happy to answer your questions about coverage for your home in Canonsburg, PA.

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Three mistakes to avoid when you purchase auto insurance

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Consumers need to avoid mistakes when they purchase auto insurance that could cost them down the road. We’re devoted to helping our clients meet their insurance needs in Canonsburg PA at The Hansen Agency LLC. 

The following are three mistakes consumers in Canonsburg PA should avoid when it comes to auto insurance. 

Buying the first auto insurance policy that you come across

Shopping around is one of the most important steps to finding a good auto insurance solution. You should do your research on insurance providers offering auto coverage in your area. Then, you should get quotes from a few different providers.

While costs are important, you shouldn’t simply choose the insurance policy that has the lowest premium amount. You should also evaluate factors such as the coverage amounts each policy offers as well as the reputation insurance companies have for providing good customer service.

Choose the quote that will offer you the best value to find the right auto insurance policy. 

Choosing a deductible that’s too high

A high deductible may be a big problem if you get in an accident and have to file a claim. Make sure that you’ll always have enough money out-of-pocket to cover your deductible amount. 

Getting only enough liability coverage to meet basic legal requirements

You only have to carry enough liability coverage to meet the minimum requirements in your state. However, only getting the minimum coverage probably won’t offer you adequate financial protection. You’ll be more financially secure as a motorist if you exceed the basic requirements with the liability coverage you purchase. 

If you have questions about the auto insurance coverage we offer at The Hansen Agency LLC, contact us. We’ll be happy to reply to your questions and inquiries. Find the right auto insurance solution today!

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How to Reduce Accidents in the Workplace

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Workplace accidents can lead to lost time, workers’ compensation claims, and a general decrease in morale. The good news is that there are steps you can take to reduce the risk of accidents in your workplace. The Hansen Agency LLC in Canonsburg, PA knows that by understanding the impact of workplace accidents, common causes, and effective prevention strategies, you can create a safer work environment for everyone.

The Impact of Workplace Accidents

It’s estimated that approximately 2.8 million workplace injuries occur annually in the United States. When an employee is hurt on the job, it creates a ripple effect throughout your business. Not only is your employee out of the office, but their absence may also negatively impact other employees and business operations.

Common Causes of Workplace Accidents (And How To Reduce Them)

Common workplace accidents include:

Trips, slips, or falls

Slipping accidents can occur for various reasons, such as wet or slippery floors, cluttered work areas, or uneven surfaces. Employees can help prevent accidents by being aware of potential hazards and taking precautions to avoid them.

Being struck by an object

There are several ways to reduce the risk of being struck by an object in the workplace:

  • Wear appropriate personal protective equipment (PPE), such as a hard hat, when working in areas where there is a risk of being struck by falling objects.

  • Use caution when handling tools or equipment.

  • Secure loose items and materials.

  • Report any unsafe conditions to a supervisor.

Lifting or carrying injuries

If possible, use mechanical aids such as trolleys, hoists, or conveyor belts to move heavy objects rather than relying on manual labor. When manual lifting is required, ensure that workers use proper lifting techniques. They should bend their knees and keep their backs straight rather than bending over at the waist.

Even when you try to do everything right, accidents can still happen. Let The Hansen Agency LLC in Canonsburg, PA find the right insurance to protect your business today.

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Can a Security System Save You Money on Home Insurance?

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It’s no secret that home insurance rates have been on the rise in recent years. And your rates could be even higher if you live in or near a high-risk area. But what many Canonsburg, PA homeowners don’t realize is that installing a security system may provide them peace of mind and help save money on their home insurance premiums.

Security Systems and Home Insurance

Many insurance companies offer discounts to homeowners who have security systems installed in their homes. These systems deter burglaries and other crimes, leading to your home insurance policy claims.

We suggest you check with The Hansen Agency LLC about requirements before you install a system. Some insurers require specific brands or styles and professional installation. You may also need to purchase a policy rider to cover the system.

How Much Can You Save?

The amount you’ll save on your premium will vary depending on your insurer and the type of system you have installed. But it’s not uncommon to save 5% or more on your home insurance by installing a security system. You may need to update the system over the years to maintain the discount, but it’s worth it for the peace of mind and potential savings.

Other Benefits of a Home Security System

Besides the savings on your home insurance, a security system can also make your home safer. And that’s something you can’t put a price on. Keep your family and belongings safe by installing a security system in your home today.

For more information on home insurance and to get a free, no-obligation quote, contact The Hansen Agency LLC in Canonsburg, PA.

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5 Mistakes to Avoid When Buying Auto Insurance

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Anyone who’s ever had to shop for auto insurance knows that it can be confusing. There are many options, coverages, and providers to choose from, and it’s hard to know if you’re getting the best possible deal. To save both time and money, it’s important to avoid making some common mistakes when purchasing auto insurance. The Hansen Agency LLC in Canonsburg, PA offers this guide in navigating this important topic. 

5 Mistakes to Avoid When Buying Auto Insurance

1. Not Understanding Your Coverage

It’s important to know what exactly your policy covers and doesn’t cover. If you don’t, you could be in for a rude awakening if you ever need to make a claim. Be sure to ask your agent any questions you have about your coverage so that you’re clear on what’s included.

2. Skimping on Coverage

It may be tempting to save money by opting for the bare minimum coverage required by your state, but this could end up costing you more in the long run if you’re involved in an accident. Make sure you have enough coverage to protect yourself financially in the event of an accident.

3. Omitting or Misrepresenting Information

When you’re applying for auto insurance, it’s important, to be honest about your driving history, vehicle, and any other relevant information. If you omit or misrepresent any of this information, it could invalidate your policy and leave you without coverage if you need to make a claim.

4. Choosing the Wrong Deductible

This is one of the most common mistakes people make when buying auto insurance. Be sure to choose a deductible that you can afford to pay if you ever have to make a claim. If you choose one that’s too low, your premiums will be higher, and if you choose one that’s too high, you may not be able to afford to pay it if you need to make a claim.

5. Failing to Compare Policies

Different policies cover different things, so it’s important to compare them before purchasing one. Be sure to look at both the coverage and the price when making your decision. Do not also forget to ask about each policy’s limits, conditions, and exclusions before you make your purchase.

If you’re shopping for auto insurance, avoid making these common mistakes. Be sure to understand your coverage, choose a policy that covers enough, and compare different policies before buying. The Hansen Agency LLC in Canonsburg, PA can help you find the right auto insurance policy for your needs. Give us a call today to get started.

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Do Home Businesses Need Commercial Insurance?

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While some home businesses don’t need commercial insurance, others have extensive needs that require separate coverage. Home businesses that rely on client traffic might need more third-party liability coverage than a homeowner’s policy offers. Some home businesses even purchase business owners’ policies that bundle property and general liability insurance into one policy. Read on to discover more reasons you should come to The Hansen Agency LLC to insure your local Canonsburg, PA home business.

Home business liability insurance

Many small businesses are run from home, and the number of home-based businesses is growing every year. More than half are sole proprietorships, though some are S-corporations or partnerships. Home-based companies are increasingly diverse, with most being service-oriented. Home-based businesses must take special care to understand the specific financial risks and the differences between commercial and personal insurance liability.

A home-based business should also consider professional liability coverage, or E&O. This type of insurance protects a home-based business from liability claims resulting from a client’s negligence. It also protects the company from legal expenses, settlements, and other expenses related to unintentional errors.

Home business property coverage

Generally, a home-based business owner will have a wide range of property and equipment. While homeowners’ policies cover the home’s contents, a business owner should also purchase business property coverage, which can protect the business’s property in the event of theft or damage.

Home owners’ insurance policies only cover $2,500 worth of business property, and they usually exclude liability claims and downtime related to property losses. A business owner’s insurance policy should cover these costs and be tailored to the nature of the business. This coverage is particularly important for home-based businesses with inventory and expensive equipment.

Navigating the ins and outs of commercial insurance can be challenging to do alone. Let The Hansen Agency LLC help you find the right insurance to protect your Canonsburg, PA home business today!

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Choosing Homeowner’s Coverage in Canonsburg PA

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Are you buying, or do you own, a residence in Canonsburg, PA? If so, you should know that homeowner’s coverage is a must. Besides protecting your home and possessions, it can also provide liability protection in case someone is injured on your property.

Considerations for Choosing a Policy

There are many factors to consider when choosing a homeowner’s coverage. The first step is to determine how much coverage you need. You’ll need to estimate the value of your home and possessions and also think about whether you want to add liability protection. A representative from The Hansen Agency LLC can help you determine the right amount of coverage for your needs.

Additional Protection

Your insurance company will also need to know about any risks associated with your home that might require additional protection. For example, if you live in a flood zone, you’ll need to purchase flood insurance. The same is true for homes in areas that are prone to wildfires or earthquakes.

Insurance Deductable

Another thing to consider is the insurance deductible. This is the amount of money you will have to pay out of pocket before your insurance company begins to reimburse you for losses. The higher the deductible, the lower your premiums will be. It’s important to discuss these factors with an insurance agent so that you can make the right choices for your needs.

Regular Coverage Reviews

It’s important to review your policy every year and make changes as needed. For example, if you’ve added new possessions or renovated your home, you’ll need to update your policy to reflect those changes. Homeowner’s insurance is a significant investment, and it’s essential to choose the right policy to protect your home and possessions. Working with an insurance agent can help you make the right decision for your needs.

The Hansen Agency LLC serving the Canonsburg, PA community can help you make the right decision for your needs.

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3 Benefits Of Auto Insurance

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The Hansen Agency LLC serves Canonsburg, PA and surrounding areas. We are committed to helping our clients obtain the coverage they’re looking for. We proudly serve the area as an independent agency. This allows us to offer multiple types of coverage. Providing reliable service is important to us.

3 Benefits Of Auto Insurance

Operating a vehicle comes with multiple risks. You have to navigate changing road conditions such as traffic and detours. You also have to be aware of how other drivers are behaving. Auto insurance is a safety net while you’re on the road. You are covered if your vehicle suffers damage from a collision with another driver or object. You are also covered if you accidentally injure someone or cause property damage. Liability coverage also covers any necessary medical treatment that a passenger may have sustained. Here’s a look at some other auto insurance benefits.

Severe Weather Coverage

As a Canonsburg, PA resident, you are used to driving in severe weather. These weather conditions are dangerous and increase tension while on the road. Auto insurance covers your vehicle if it suffers damage due to extreme weather. Maybe high winds in the area cause debris to crack your windshield or mirror. Perhaps a tree branch snaps and dents the hood.

Theft Coverage

Being a victim of theft is not a pleasant experience. Auto insurance covers you if your vehicle is stolen. Perhaps the thief is unable to steal your car but vandalizes it. Comprehensive coverage protects you in that situation as well.

Personal Injury Coverage

You can add personal injury coverage to your auto insurance policy. Personal injury coverage protects you by covering your medical treatment if you are injured in an accident.

The Hansen Agency LLC Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.  

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Home Insurance FAQs

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Your home is the biggest investment most people will ever make. Making sure it is protected is important. Having the right home insurance gives you the safety net you need. At The Hansen Agency LLC in Canonsburg, PA, we know that your home is your castle, and we work with you to make sure you can sleep at night knowing you are protected. We are independent agents, which means we offer policies from a variety of carriers, and we can provide our customers with choices. 

Is home insurance required in Pennsylvania?

No, the state of Pennsylvania does not require that you have home insurance. If however, you have a mortgage, your lender will require it since they have a vested interest in your home. 

What coverage does home insurance provide?

Home insurance gives you property coverage for the physical structure of your home as well as any other structures on your property such as a detached garage or shed. It also covers your content either for the cash value or the replacement cost. Home liability coverage is an important part of your home insurance in the event someone is injured while visiting your home or by a family member away from home, even your furry friend. Additionally, if your home is damaged, your home insurance will help you to have a place to stay while your home is being repaired. 

Will my home insurance cover my home if it is flooded?

If a pipe bursts within your home, yes it will. If the flooding comes from a sewer backup, it probably isn’t covered, and if it is surface water, you won’t be covered. 

In Canonsburg, PA The Hansen Agency LLC provides the home insurance coverage that our customers want and need. You can contact us on the phone or in person, we are here for you. 

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