News & Events

Business Insurance in Defiance OH, Sylvania OH, and the Surrounding Areas

Your search for a company that can provide you with the best and the widest range of business insurance plans will end with us at Beck Insurance. Our policies will cover every risk which your business is likely to face. You may not require every policy, but may need several of them. Resting on the kind of operation which is being insured, coverage limits and rates may vary. If you get confused which plan to choose our staffs will help you in the selection process. Our service areas include the ins and outs of Archbold, OH, Maumee, Perrysburg, Swanton OH, Sylvania OH and Toledo. 

Discover the Different Types of Business Insurance Plans 

We offer the following insurance plans for your business, 

  • General Liability Insurance- It will cover your business during a lawsuit or claim that results from negligence, accidents or injuries. The covered claims will include false advertisement, slander, property damage, personal injury or even bodily injury. 
  • Product Liability Insurance- It will cover claims which result from defective products which cause harm or injury. 
  • Professional Liability Insurance– Also called errors and omissions insurance, it will cover you from negligence, errors or malpractice in the services that you offer to your customers.  
  • Property Insurance– It will cover damage and loss to company property due to vandalism, hail, wind, smoke, fire, theft, or any other unfortunate manmade or natural hazard .  
  • Workman’s Compensation Insurance– If any employee gets injured on the job, it will cover both their medical expenses as well as loss of income. On the other hand, during permanent disability, it will offer benefits till the employee reaches his/her retirement age.  
  • Commercial Auto Insurance– Along with covering property damage and personal injury, it will cover the business loss that you might face during or after an accident.  

To know more, please feel free to call us at our toll free number 877-446-2325. We are just a call away!  

‘Rideshare Guy’ Says 60-80% of Drivers Still Don’t Have Correct Insurance

He calls himself “The Rideshare Guy” and he’s become one of the more prolific voices covering the still-burgeoning business.  Harry Campbell video here.

When Uber and Lyft were at the point in development that they were considered by some to be just another fly-by-night constituent of the gig economy craze, Los Angeles-area engineer Harry Campbell started driving part‑time for both app-based firms and he also started a blog on ridesharing.

As a structural engineer working on fleetwide problems for Boeing Co.’s 757 aircraft, he was doing well for himself. But in a short amount of time, his ridesharing blog took off, so three years ago he quit his day job to focus on the blog full‑time.

The blog, which has everything from articles to podcasts to YouTube videos, currently reports 500,000 views a month.

Eventually, the blog launched a video training course to help educate rideshare drivers on subjects that range from getting started to how to make more money as a driver, and it also has a running list of insurance carriers that offer rideshare insurance.  (Beck Insurance offers Rideshare policies in Ohio through Acuity Insurance, and in Michigan through ProgressiveRequest quote here.)

The Rideshare Guy spoke with Insurance Journal on ridesharing matters that our readers may have an interest in. This has been edited for brevity and clarity.

Insurance Journal: Can you talk about how ridesharing has changed in the last two or three years?

The Rideshare Guy: One of the biggest changes we’ve seen in the past few years is that rideshare has become mainstream. I think that when you start to hear your parents and your grandparents talking about Uber and Lyft, you know that the companies have really made it.

When these services were first starting, it wasn’t a sure thing that they were going to take over like they have. Uber has grown into a worldwide brand. It’s become a service that’s extremely popular with drivers, with passengers, and consumers. That’s what we’ve seen, an explosive growth and probably not going to stop any time soon.

IJ: What some of the hot button issues in ridesharing today?

The Rideshare Guy: Coming from the perspective of a driver, one thing we’ve seen over the past three years is that rates have actually come down significantly. You probably notice this as a passenger consumer that taking an Uber around the city is now cheaper than ever. It’s up to 50 to 70 percent cheaper than a taxi in many large cities. That’s great for consumers and passengers, but definitely a downside for the drivers is that they’re obviously making less than ever.

We surveyed over 1,100 drivers earlier in the year. They reported making an average hourly earnings of $16. That’s actually before expenses. Drivers, since they’re independent contractors, they’re responsible for gas, and maintenance, and depreciation on their vehicle and even rideshare insurance. They have to cover all of those costs.

You can see that the trend is that the pay for these drivers is getting closer to more of a minimum wage or a service type job even though not everyone has that impression.

IJ: What would you tell our insurance professional listeners about ridesharing that they should know?

The Rideshare Guy: One of the shocking stats that I see is that most drivers don’t have rideshare insurance. We’ve surveyed our audience and seen, depending on the surveys we’ve done in the past, 60 to 80 percent of drivers don’t have rideshare insurance.

That provides for a big issue for drivers just because they receive coverage while they’re en route to a passenger or while they’re on a trip. They actually don’t have coverage when they have the app on and they don’t have a passenger yet, when they’re waiting for a passenger. Personal insurance won’t cover that. Uber and Lyft only provide state minimum liability and no collision coverage.

That speaks to what we see with drivers in general. You have a lot of drivers that get into working for Uber and Lyft, just looking to make a few hundred bucks a week. They’re just looking to do a side hustle. They’re looking to make some part‑time cash.

Of course, you also have full‑time drivers. But I think a majority of drivers are doing about 10 to 15 hours a week or less.

You have a lot of people who aren’t aware that they might even need rideshare insurance. They aren’t aware of the reporting and the tax requirements. There’s a big education component.

IJ: How can insurance agents approach drivers to educate them and even drum up a little business?

The Rideshare Guy: If you listen to that stat that a majority of drivers don’t have rideshare insurance, a lot of agents have seen that as a pretty big opportunity.

For insurance agents that are out there listening, I think that there’s actually some pretty easy steps that you can take. The most obvious would be when you’re in an Uber and Lyft, talking to drivers, asking them about their insurance situation, and just helping them understand and educate them as opposed to selling them on the rideshare insurance.

*If you drive on a rideshare app, contact Beck Insurance today about proper coverage.

By Don Jergler, Insurance Journal.  https://www.insurancejournal.com/news/national/2017/12/08/473498.htm

 

Home Insurance and Auto Insurance in Toledo, Maumec, Perrysburg OH, and Surrounding Areas

Your home is one of the biggest investments you likely to make so it is important that you protect your investment with solid hole insurance. Beck Insurance is an independent agent and can help you with solid home insurance in Maumee, Montpelier OH, Perrysburg, Toledo or Wauseon OH. Just because you have a homeowner’s policy does not mean there are no gaps. For example, if own a condo or town home you should be aware of what is covered by the body corporate and what you need to cover.

Whether you own a freestanding home, a flat, a condo, a penthouse, a vacation home or a home under construction, you need proper home insurance. Even if you are renting, you still have valuables that need to be covered. You landlords policy won’t cover your losses or your liabilities.

Every insurance policy has exclusions and limitations. Your homeowner’s insurance wont cover every event or eventuality.  There are also limits to how much your insurance will pay in the event of a calamity. Some exclusions can be quite serious and you need to be aware of them. For example, does your policy include flood insurance?  Its too late when the storm surge hits to find out you don’t have flood insurance. Certain events such as floods, earthquakes and other disasters can be covered with supplemental policies.

Your home insurance will also have limits with respect to high end items such as jewelry, fine art and other collections. You also need to know if you are insured for the replacement value of your home and possessions.

It is a good idea to discuss your insurance need with a professional such as a consultant at Beck Insurance agency. That way you can have peace of mind that your home and insurance policies are good and proper.

Home Insurance and Auto Insurance in Toledo, Maumec, and Perrysburg OH. Offering Life Insurance, Motorcycle Insurance, Business Insurance, Long Term Care Insurance in Wauseon.

Stop Texting and Driving – a free app??

Texting and driving has become an epidemic in the United States. According to the National Highway Traffic Safety Administration, distracted driving claimed 3,477 lives in 2015 alone.  This number has only climbed year after year.

Recent statistics now indicate that 1 out of 4 accidents are a direct result of texting and driving.

In addition to the obvious safety issues and dangers, insurance carriers are seeing a significant impact of cell phone use while driving – both in frequency and severity on auto insurance claims.  This widespread cell phone use while driving (combined with sustained lower gas prices) are now causing Auto Insurance premiums to rise in reaction in order to maintain acceptable combined loss ratios moving forward.

Beck Insurance Agency has experienced first hand the impact of texting and driving, having had one of our carriers recently paying a settlement of nearly $1.2M for an accident caused by texting and driving for a client.

While the solution is obvious, the implementation is not quite as easy.  Parents can’t always police their teenage drivers, employers can’t always police their drivers and / or employees.

Maybe until now??  Recently reading a Truck Insurance article by Acuity Insurance I learned of a new (free) cell phone app called “LifeSaver“.  While I have not personally yet used the app, (and this is not an endorsement or an official recommendation) I do feel that it is certainly worth looking into if you 1) have loved ones, 2) have a hard time putting the phone down yourself, or 3) own a company that requires employees to drive.  I will be personally checking it out.

If you wish to give it a try, there is the LINK to their website.  If you do try it, please contact us HERE and let us know what your experience was and if you liked or disliked the app. 

You can also call us at 419-446-2777, or email me directly at joe@beckinsurance.com

Thank you and be safe…..

Joseph D. Beck, VP, CIC

Auto Insurance and Home Insurance in Bryan, Definance, Maumec OH, and Surrounding Areas

Beck Insurance is an independent agent and can help you with reliable auto insurance in Bryan OH, Defiance OH, Maumee, Perrysburg, Sylvania OH or Toledo. If you own or drive a car in Ohio, then some form of car insurance is compulsory. But just because you have an auto insurance policy does not mean you are covered for all risks and events. You might have a balance of 3rd party policy or might have a policy that only covers liabilities and collision damage. You might be surprised to learn your auto insurance policy has gaps so wide you can drive your car through them.

If you want auto insurance that.is good and proper, then you should consult with an independent agent such Beck Insurance.  They offer solid auto insurance that covers your car, boat, motorcycle or RV. They also cover you.  Simply having some discount auto insurance policy does not mean you are properly covered. Beck Insurance will help you with affordable auto insurance that does not have scary gaps.

A solid auto insurance policy should offer you the following:

3rd Party or liability insurance. This part of car insurance covers you should a 3rd party sue you for property damage or bodily injury pursuant to road accident caused by you. This type of car insurance is compulsory and don’t want to be caught without it.

 Uninsured / under insured liability. Should you be involved in a collision with an uninsured or underinsured driver you won’t be able to recover your losses unless you have this type of coverage.

Collision insurance: If your vehicle is damaged or totalled in a collision or road accident you will be left without wheels and transport. Collision insurance will pay for the repairs to or replacement of your vehicle. You also need to be sure your insurance will settle the bank should your vehicle be financed to through hire purchase or lease.

Comprehensive: This type of insurance covers you for damage resulting from events other than a road accident. This could be storm damage, auto theft, vandalism and so on.

Auto Insurance and Home Insurance in Bryan, Definance, and Maumec OH. Offering Life Insurance, Motorcycle Insurance, Business Insurance, Long Term Care Insurance in Perrysburg.

Medicare Open Enrollment Period

The 2017 Medicare Open Enrollment Period is fast coming to an end. The last day to shop and compare plans this year is December 7th. Please contact Beck Insurance today to secure your appointment.  We are now down to ten days left!

Cordless vs. Corded Tools on the Job Site

Most of us who carry the responsibility of on-site construction projects know efficiency is critical to staying on schedule and budget.

Years ago, many contractors would send a laborer to the job site before the carpenters would arrive to roll out the electrical cords as part of the daily set-up process. Not using more expensive man hours for set-up work saved time and money. Today, cordless tools are often used instead.

In 1961, Black & Decker unveiled the first cordless power tool and, in the mid-60s, NASA started using battery-powered tools for their space programs, including a cordless rotary hammer drill for the Apollo moon program. Because these cordless power tools were designed for a zero-gravity environment, the weight of the batteries was not an issue.

It wasn’t until the early 90s that I began trying battery-powered drills for the type of work I was doing. At that time, the batteries weren’t developed enough for me to be completely sold on cordless power tools. The 9.6-volt batteries were heavy, they had a long charging cycle time, they needed to be charged often, they got hot, the overall life expectancy was short, and replacement of the batteries was expensive. It wasn’t until the mid-2000s—when 18-volt and 24-volt batteries were available for screw guns, impacts wrenches, grinders, and skill saws—that cordless tools began to see everyday use on my job sites.

Since those times, battery technology in both lithium-ion (Li-ion) and nickel cadmium (NiCd) has come a long way, prompting manufacturers to produce many other cordless tools, including miter and reciprocating saws, shop vacuums, nail guns, concrete vibrators, and even table saws that run off a 60-volt lithium-ion battery. Yet, despite advances in technology, there continues to be a debate between cordless and corded tools and which are better.

I believe the better option differs depending on the work that needs to be done, the type of tool that will be used, and convenience factors. Below are some considerations when deciding between cordless and corded tools.

1.The up-front cost of cordless tools has to be evaluated, but any tool that can save labor hours is likely worth the investment.

2.Corded tools often require a powered extension cord. Repeatedly rolling out and rolling up extension cords takes time. In addition, electrical cords can be a tripping hazard, and blades or bits could damage cords and cause injury.

3.Cordless tools improve mobility, making it easier to move freely around a job site.

4.Today’s cordless tools have longer operating cycles, and downtime can be nearly eliminated by having one or two backup batteries on a charger.

5.Cordless tools often come with their own storage containers, making storage in trucks and gang boxes more convenient.

6.Corded tools maintain continuous torque and power, which can be an advantage for some jobs, such as drilling several large holes in concrete, using a concrete breaker, or ripping large quantities of lumber with a skill saw.

With so many manufacturers in the power tool industry, it’s important to do your research before making a purchase. If you have experience using cordless power tools on job sites and would like to share your opinion, please feel free to do so. Construction workers who do the hands-on work are those we can learn the most from.

Contact Beck Insurance Agency today for help on your contractors insurance and coverage.

Sources:

https://www.nasa.gov/offices/ipp/home/myth_tools.html

https://www.acuity.com/acuity-focus/2017/contractor-focus/cordless-vs.-corded-tools-on-the-job-site?utm_source=Facebook&utm_medium=Social&utm_content=cordless-vs-corded-tools&utm_campaign=social_construction_2017&__prclt=r7DN2WMy

Auto Insurance

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!

Beck Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

How much auto insurance is right for you?

Based in Archbold, Ohio, the team at Beck Insurance Agency understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage – to pay for losses you cause others, or:
No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
Both liability and no-fault coverage.

We write insurance in Ohio, Indiana, Michigan, Tennessee, Georgia, and Florida and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.

Beck Insurance Agency:  “Check with Beck Before You Wreck“.  Call for a quote today at 877-446-BECK (2325), Email us at info@beckinsurance.com, or hit us up via the our Contact Us page!

Tailgating Tips – from Acuity Insurance

In preparation for tonight’s big I-75 Rivalry game between the University of Toledo and the Bowling Green State University!

Tailgating before a game is a longstanding tradition. The right pregame food, drinks, music, and games help get everyone in the spirit to cheer on their team. When thousands of enthusiastic people gather in one place, what could go wrong?

Unfortunately, plenty. Someone could get injured, your car could get vandalized, or you could end up with food poisoning. We at Acuity want to help take the worry out of tailgating so you can enjoy the event—even if your team loses.

Whether you’re a tailgating rookie or a seasoned veteran, here are some tips to make your next tailgating experience a safe and fun one.

•Set the time and place. Notify your friends and family when and where you are going to set up. Check with the stadium in advance to see what time the gates open. Before heading into the game, make sure everyone in your group is aware of your meeting spot in case anyone is separated by the crowd.

•Prepare food and supplies. Packing food and supplies ahead of time will help make sure you and your crew are ready to go. Fill a cooler with plenty of ice to keep drinks cool and perishable food safe to eat. Napkins, plates, and tablecloths are essential. Don’t forget grilling and serving utensils!

•Safety first. Hand sanitizer should always be on your list. If grilling, make sure your grill is clean before you go, and bring along a fire extinguisher. Ensure coals are completely cooled before disposing of them. Perishable food that wasn’t eaten should be placed in the cooler or thrown away before going into the stadium.

•Check the forecast. Depending on the weather, you may need an umbrella (tonight for sure!) or ponchos, sunscreen, or insect repellent. Dress appropriately so you are comfortable before, during, and after the game.

•Select a designated driver. Don’t drink and drive or let anyone else do so.

•Hide valuables. To help prevent theft, remove or hide any valuable items in your car.

•Leave safely. Make sure all items are cleaned up before the game starts and before driving away. A flat tire is never fun.

See you at the game!

Lisa D 10/24/2017 / Acuity Focus https://www.acuity.com/acuity-focus/2017/acuity-focus/7-tailgating-tips-for-your-next-tailgate-party

What does a CIC Designation mean for you?

Today’s insurance and risk management industry is vast, complex, and full of confusing variety. As you consider what kind of coverage you need for your unique set of risks and exposures, keep in mind that training as a Certified Insurance Counselor (CIC) has prepared us to be the competent and proven advisors you need. Our drive is what led us to go for the CIC designation. It represents a career-long commitment to stay on top of important industry changes and to be aware of new risks that arise so that we may better serve our clients.

Beck Insurance is not the kind of agency that is content to just collect annual commissions. We strive to be the best that we can be. We use our education to gain an in-depth understanding of the nuances of complex risks and the best way to address them. Training to become a CIC includes 100 classroom hours and five comprehensive exams. Additionally, we attend far more continuing education courses than required every year to keep our knowledge and skills up to date in order to ensure that you always receive the attention, care, and current information necessary to make your coverage decisions.

The CIC designation and pin are marks of distinction that demonstrate our commitment to professional excellence and leadership in the insurance industry. We are proud to be among 31,500 CICs in the country, “the best and most knowledgeable insurance practitioners in the nation.”

Joe Beck, VP/CIC – Bill Beck, Pres/CIC – Kirk Beck, Ret/CIC