What is Commercial Insurance and Why Your Business Needs It

As a business owner in the Omaha, NE area, you are faced with responsibilities like obtaining the right commercial insurance coverage for your business. When making this decision, it is important that you utilize experienced professionals, like those at Oracle Insurance.

What is Commercial Insurance?

Commercial insurance, which is sometimes known as general business liability insurance, provides protection against unforeseen events that could affect the ability for your businesses to operate. Depending on your coverage, it can cover the costs related to situations like theft, property damage, injury on your property, and associated legal issues.

In other words, commercial insurance is a safeguard put in place that protects the assets of your company if one of these events should occur.

Why Your Business Needs Commercial Insurance

As a business owner, you cannot afford to have the mindset of “it could never happen to me.” Despite your due diligence and an event seeming highly unlikely, accidents do happen and it is important that you are protected when they do.

There may also be laws in place, depending on the type of business and number of employees, which specify the amount of commercial insurance coverage you need. In order to legally conduct business, your company must meet these requirements.

In addition, some clients, customers, and subcontractors will choose not to work with a company that does not have appropriate insurance in place. Without commercial insurance, your business could lose out on potential income.

Whether your business is big, small, or somewhere in between, it is essential that you invest in adequate commercial insurance. Without it, you put your business at serious financial risk. Contact Oracle Insurance Agency, which serves the Omaha, NE area, to ensure your business has sufficient protection against unexpected circumstances.

Insurance Tips for Millennials

Although, as a group, you tend to be on the optimistic side, “Insurance? I don’t need that… I’m a great driver!” If you are a millennial in Omaha, NE, then chances are that you are at the age when purchasing auto insurance has become a priority. The safety net that insurance provides is paramount as you begin the journey through car buying. You should not be caught underinsured, as many of the millennial generation are. Though no one ever expects disaster to strike: a car accident, a break-in, or a fire, these things do occur, and it is best to be prepared.

Primarily, it is vital to seek out the coverage that you are going to need (yes, this means BEFORE you look at costs). Lower payments can sway your opinion about what you need; thus you could end up with less coverage than you need. Once you have decided on the plan that is right for you, discuss your options with an agent at Oracle Insurance in Omaha, NE.

After a coverage plan has been settled on, look for discounts. A great place to start is by “bundling” all of your insurance coverage (like auto and home) with the same carrier. Also, don’t be afraid to ask our agents at Oracle Insurance any questions you might have. We understand that there is a first time for everyone when looking into insurance.

Although it may not seem like the coolest idea to trade the newest gadget for liability insurance, it is a necessity. Unexpected mishaps happen, so being prepared is key.

Most importantly to millennials, who are most likely purchasing insurance for the first time, is to speak to an agent at Oracle Insurance. You will be guided through this process by a professional, who will do everything they can to personalize a plan to fit your lifestyle. Give us a call today to start your journey into auto insurance.

Things to Do Around Your House This Spring

The colder weather is starting to be more of a distant memory in Omaha, NE. That means that spring is here. If you are ready for the spring weather, that means it is time to get your home ready for it too. Use these tips from Oracle Insurance to make sure both you and your home are ready for the warmer weather.

  • De-winterize your home- If you took the time to winterize your home before the colder weather hit then you also need to de-winterize it, and now is a perfect time before the hot summer months come.
  • Have your HVAC checked- You do not want to find out in the hot heat of summer that your air conditioning unit is no longer working or you need a repair. Get a professional out to do some regular maintenance on your HVAC unit so that it is ready whenever the weather gets hot this summer.
  • Do some spring cleaning– Everyone is getting into this craze. If you find the urge to do some cleaning, start with the inside of your home. Not only will it look better but you will also feel better once it is done.
  • Plant some flowers– Spring is defined by beautiful flowers everywhere and if you have the yard to plant some then you need to take advantage of it. Go ahead and get some flowers in different colors and make a weekend of it. You will be happy you did when everything starts to bloom right outside of your home.

If you do not already have a great home insurance policy, then you should consider getting one now. There is nothing better than a great home insurance policy to protect your home. Contact Oracle Insurance, serving Omaha, NE, today for your quote or visit our website to try our online rating tool for a quote on your home insurance.

5 Practical Tips to Reducing Auto Insurance Costs

The rising cost of auto insurance today has many Omaha, NE drivers looking for ways to reduce their premium. Shopping around is one way to obtain the best deal on auto insurance costs. Here are a few more ways from Oracle Insurance you can keep insurance costs down.

Invest in a Vehicle that’s Inexpensive to Insure

Some vehicles are more expensive to insure than others. Before committing to buying a car, ask your Oracle Insurance agent to give you an idea of how much it will cost to insure. Family sedans and mid-sized SUVs, for example, are cheaper to insure than luxury vehicles or sports cars. This makes family cars a wiser choice for people looking to cut insurance costs.

Raise your Insurance Deductible

The higher your deductible, the less you pay for your insurance premium. As the deductible is the part you pay to cover costs in the event of an accident, make sure you have these funds on hand before increasing your deductible.

Develop Good Driving Habits

Maintaining a good driving record will help you reduce insurance costs. If you have numerous violations or have been involved in various accidents, consider taking a defensive driving course to hone your driving skills. Many insurers offer insurance discounts to drivers who complete such courses.

Park your Car Indoors

You could also qualify for an insurance discount for parking your car nightly in a garage. Garage parking reduces the risk of theft, weather damage, and vandalism which increases the safety of your vehicle.

Personalize your Coverage

Personalizing your auto insurance coverage can save you money over the long haul. At Oracle Insurance, we can help you personalize your insurance to avoid paying for coverage you don’t need. By discussing coverage options with one of our agents in Omaha, NE, you can save money on your auto insurance without compromising the protection you need.

Omaha, NE Residents: Getting the Right Home Insurance for You

When you become a homeowner, there are a lot of things you have to think about, so for your first time through, it can get just a little bit too overwhelming. Oracle Insurance has seen this happen a lot of times, and all too often it has a less than desirable result for the new homeowner, and that is something that we want to help residents of Omaha, NE deal with. As homeowners work on getting all of their ducks in a row, one duck that sometimes gets overlooked is the home insurance duck. Or heck, perhaps you even found a home insurance plan, but you are not sure that the plan is actually tailored to your needs.

Trying to figure out exactly what home insurance plan is fit for your needs and lifestyle is not easy, but it is entirely doable. It is just important that you, your family, and whatever insurance agent that you choose to work with sit down and try to figure out exactly what your situation is. You do not want to rush into a home insurance plan without thinking about the consequences, or whether you can even afford that plan; however, you also do not want to take your time and drag your heels. The last thing you want to have to worry about is that a serious incident occurs to or at your home while it is uninsured.

When it all comes down to it though, one of the biggest hurdles in the process of getting home insurance for Omaha, NE residents is figuring out which home insurance plan is right for you. Oracle Insurance knows this from experience, so you should contact us online today so they can find the plan that fits your needs in just minutes.

Being Ready For Anything In Omaha NE

Omaha, NE gets serious Winters, the city gets serious Autumns, it gets serious everything. We’re looking at warm Junes and freezing Decembers. Omaha, NE homeowners need to be ready for anything. Oracle Insurance can help to cover the unforeseeable, but a great policy is no replacement for a little bit of preventive maintenance. Here are a few things that you can do to make sure that your Omaha home is ready for anything:

  • Get your storm windows early. Don’t wait for the storm season, get your windows early, while you still have time to shop around and get a great deal.
  • Go with flexible materials when possible. When the sun beats down on your home in the Summer, it can cause your roof tiles to crack due to the constant expansion and contraction. Using vinyl siding, for instance, is a great way to ensure that your home doesn’t suffer intense damages when the seasons change.
  • Make use of your garage. Your car can suffer with the weather, too. If you use your garage for storage, clean it out and park the car in there when the harsher months roll around.
  • Invest in some quality insulation. Foam insulation, for instance, expands and contracts comfortably with changing temperatures and can help keep your home warm in the Winter and cool in the Summer.

Wear and tear happens. It happens thanks to the weather, thanks to regular use, thanks to the march of time. But, with a great policy from Oracle Insurance and a little bit of preventive maintenance, there’s no reason wear and tear has to happen right now. A little love and car can seriously extend the life of your home.

How to Determine How Much Home Insurance You Need

Home insurance is something that every homeowner needs and knowing how much you need can be difficult. With the help of an insurance agent, anyone can discover just how much insurance they need to be covered. For those in the Omaha, NE area, Oracle Insurance can help you determine just how much coverage you need.

The first step to determining how much home insurance you need is to first determine how much your home is worth. This is going to set the base coverage that you need. You can then determine how much the contents of your home are worth which can help your agent decide how much coverage you need for the contents of your home. After you determine the monetary value that your home should be insured for, your agent will talk with you about supplemental policies that you might need.

There are a wide range of supplemental policies that you can choose from. For the most part, all people being covered are not going to need specialty policies like flood and earthquake. If you live in areas where this type of event is common, you certainly want to be insured with this type of policy. No matter what supplemental policy you might need, your agent can help you determine what type of policy you need to be fully covered.

The last thing you will want to do is to check back and make sure you have enough coverage often. Things like large purchases, upgrades to your home, and even remodels can change how much insurance you need making it necessary for you to change your coverage. For those in the Omaha, NE area, the helpful agents at Oracle Insurance can help you find the right coverage for your needs each and every time.

How to Determine if You Have Enough Auto Insurance

Auto insurance is something that is both required by law and recommended by most insurance agencies. Insurance can help you recover after an accident and can help cover costs that are associated with the accident. For those that are taking out a policy, there are a few different ways that you can determine if you have enough insurance coverage. For those in the Omaha, NE area,  Oracle Insurance can help you find the policy that is right for you.

The first step is to determine if your car is paid off or if it has a loan or a lien against its value. If you are still paying for you r car every month, you are likely going to be required to hold a full coverage policy that will cover the cost of replacing the car if it is totaled. For those that have paid for their car out right and do not have a car payment each month to a lending agency, you are only required by law to have a liability policy.

Liability is going to pay for a certain monetary sum toward medical bills, deductibles and more. Liability is generally the sum that is required for you to be able to legally drive your car. Your agent will help you determine how much coverage you need for your car based on the make, model, extras, and the overall value of your car. Your agent will also help you change your coverage when needed and help you keep the right coverage no matter what.

For those in the Omaha, NE area, the helpful agents at Oracle Insurance can help you find the right policy and the right amount of coverage to keep you both legal and fully covered while driving.