We know all boaters are busy preparing their boats for spring and summer use. Remember, having the proper boat insurance will help ensure your activities are covered. Here are a few thoughts to help you as you prepare your boat for spring and summer use.
The Agents of Kohler and Green are proven professionals - caring and conscientious people who earn your trust. We are the kind of people you can depend on, and have made a commitment and maintain a high standard of excellence in all that we do. Our clients enjoy a solid relationship of mutual trust.
Serving Fort Smith, Little Rock, Springdale, Fayetteville, Jonesboro, Roger and Tulsa
Many people are unsure what an Umbrella policy is or what it covers. Kohler Green Insurance Agency is here to help. We will explain the basics of Umbrella Insurance and the benefits to you. When you are outside and there is a light rain or breeze you generally don’t need or want an umbrella. However, if it is pouring down rain with high winds, you take your Umbrella. An Umbrella Insurance policy works much the same way.
Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim.
The term "Umbrella" is used because it covers liability claims from all policies underneath it, such as homeowners insurance and auto insurance policies. For example, if you have an auto insurance policy with liability limits of $500,000 and a homeowner’s insurance policy with a limit of $300,000; with a million dollar Umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.
It is true that Umbrella Insurance may not be for everyone, but if you are building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an Umbrella Insurance policy. Insurance offers Umbrella Insurance with very competitive rates. Having the added protection of an Umbrella Insurance policy is coverage no one should go without.
Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.
The Agents of Kohler and Green are proven professionals - caring and conscientious people who earn your trust. We are the kind of people you can depend on, and have made a commitment and maintain a high standard of excellence in all that we do. Our clients enjoy a solid relationship of mutual trust. Serving Fort Smith, Little Rock, Springdale, Fayetteville, Jonesboro, Roger and Tulsa
Kohler & Green Insurance is an independent agency. This means we don’t work for any one specific insurance company. We have access to many markets, giving us the ability to shop your account and search the market for the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you may get as many as five choices or more.
When you work with our firm, we will give you unbiased advice. As an independent insurance agent we are very knowledgeable about all the companies in the marketplace. We know which companies have the best track record when it comes to pleasing their policy holders. We can narrow your options down and help you choose between the best insurance companies in the market. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value. Our agency has a proven track record, we live here in Arkansas and we understand the needs of our neighbors.
Many of us love to ride the Arkansas highways on our motorcycles. Motorcycle Insurance is what we do. Your bike is an extension of your personality, and that's one reason why you customize it. We have the motorcycle insurance that can address the special needs of custom bike owners. We can insure most manufactures including Honda, Harley-Davidson, Yamaha, Kawasaki, BMW, Suzuki, Victory, KTM, and more.
What kind of insurance should you consider for your custom bike?
All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. Have an annual insurance review. We can help you find the right combination of coverage and price, and we provide outstanding customer service.
Motorcycle insurance has your typical coverage plus it has some specialized coverage with which you may not be familiar. Kohler and Green represent many fine motorcycle companies including Progressive, Formost, American Modern and Dairyland. Call us today for a quote.
We understand all Arkansas businesses are unique. Just because you are a small or medium sized business does not mean you are exempt from litigation. All businesses need General Liability Business Insurance to protect your organization from unforeseen events. General Liability Business Insurance should be the foundation of your insurance program. At kohler Green we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.
General Liability Insurance provides the following coverage:
Bodily Injury- Bodily Injury to a third party.
Property Damage- Damage to a third parties property (equipment building etc.).
Personal Injury- Injury to the mind or emotions, as opposed to an injury to property.
Advertising Liability- Damages arising out of advertising, libel, slander and invasion of privacy.
Products & Completed Operations- Liability arising out of the Nonprofits products or business operations and services conducted, excluding Professional services.
Premises-Covers liability arising out of injury to third parties while on your premises.
Medical Payments- A general liability coverage that reimburses others, without regard to the insured's liability for bodily injury while on your premises.
General Liability Insurance is designed to cover defense costs as well as judgments. It is an important part of your insurance program that we recommend for your organization.
· A visitor to the office tripped and fell down a flight of stairs. An investigation revealed that a broken hand rail contributed to the accident. Total medical bills of $2,570 were paid to the claimant.
· A business recently held a private event at the home of a manager, where food was provided by the employees and client. A attendee got sick the next day and it was traced back to the food provided at the event. The insurance company paid the medical bills of $650 and compensation for three days of lost work time.
Call us today for more information on a complete business insurance program. We know there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today. We can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. We are ready to help you better understand your risks. Please call our office today.