Agribusinesses are what keep our great nation running and they need to be protected properly. The hazards and risks of running a commercial agricultural enterprise are unique. This diverse industry in Kentucky and Tennessee requires a special type of care that the professionals at Higgins Insurance are qualified to supply.
Agribusinesses are generally large in size & personnel. Acknowledging that a multitude of things can go wrong is important. It is helpful to know some of the risks in order to ensure proper coverage of your business. Some of the most common agribusiness insurance claims include:
There are some basic areas that can be insured that will cover a majority of the risks you may encounter. Just a few of the areas of coverage that should be included in each business’ policy are:
There are many other types of coverage that can be customized to each specific business and the experts at Higgins Insurance have the knowledge and experience to make sure your business is fully prepared. It is important to keep in mind that insurance should be a proactive part of how you manage and operate your Agribusiness. Any time changes are made to your property like buildings, structures, or agribusiness operations, you should re-evaluate and update your policies.
There is no margin for error when insuring your income-producing assets and operations. Your risk management program is crucial to your long-term success and profitability. With so much at stake, you need a partner with specialized agribusiness insurance knowledge.
Contact us today and we will get you set up with one of our highly trained professionals. Call us at our Clarksville or Hopkinsville office and we can start customizing a policy for you. Remember, farming isn’t just what you do, it’s a way of life!
The advantages to having access to a local insurance agent are wonderful; however, buying insurance online can have its own unique conveniences as well. We want to share with you some of the advantages of both and let you know why you might want to choose Higgins Insurance for your insurance needs.
Who doesn’t like shopping from the convenience of your own home? When you shop online for insurance, you are able to access a wide variety of insurance providers. You are able to browse while you eat dinner or do your laundry.
Shopping online can often help you identify the best rates for the specific types of insurance you are looking for. If you need more than one form of insurance, creating a bundle to cover you and your family may be a hassle. You may end up dealing with a customer service person over the phone. They will generally have less experience than a local agent and have no vested interest in you or knowledge of your community.
Online insurance shopping is best for helping you get an idea of the products and services that are available to you. It is also a great way to quickly get quotes in your area and to help you find the best pricing options.
Using an insurance agent local to your community has many advantages. Our agents at Higgins Insurance are able to tailor an insurance plan specifically to your family or your business. We are able to create a custom bundle that will incorporate all of your insurance needs.
Having a local agent can also be an advantage when you are deciding what specialty insurance and add-ons you might need. For example, we are able to advise on whether your home lies in a flood prone area and when you might need extra protection. We can also advise you about specific laws you will need know in order to keep yourself fully covered. Additionally, we are able to tell you what you don’t need. Using a local agent can save you from buying protection that is unnecessary for your needs.
Having a local agent is also important when you have to file a claim. Being able to meet face to face and talk about your claim, the options you may have, and how to proceed is invaluable. At Higgins, we will go above and beyond to provide you the services you need and help get you on track.
When it comes to big investments like your car, your home, and even your family’s well-being you want an expert on your side, someone to help you make sense of what you’re actually buying and who can be there with you through any claims. We want to provide you and your family with the service you deserve. If you are in the Hopkinsville or Clarksville areas, we would love to meet and discuss your needs. Contact us today for an appointment, give us a call at (888) 457-2307 or visit our Hopkinsville, Ky or Clarksville, TN offices.
Unfortunately, filing an auto insurance claim can quickly raise the price of your insurance premium. No one wants to pay more money, so how can you avoid damaging your car? Here are some of the most common car insurance claims in Kentucky and a few ways to avoid them:
Remember to keep an eye out and keep yourself protected!
No one wants to have to deal with issues like these, but when they do arise it is best to be prepared. Higgins Insurance in Hopkinsville, KY and Clarksville, TN can help you get the best car insurance for your needs. If you need advice or more insurance information, contact one of our helpful agents today!
People take out homeowners insurance for the same reason they take out car and health insurance: If a home is damaged or someone else is injured on the property, insurance helps owners cope with the financial consequences. Homeowners insurance is actually a combination of two different types of protection, hazard insurance and liability insurance. Here at Higgins Insurance, we want to make sure you know.
Hazard insurance protects you against unintentional damage or destruction to your house or its’ contents, including fire, storm, theft, vandalism and similar threats.
Liability insurance covers personal liability for accidents on your property. If your neighbor trips on a hose in your yard and breaks his/her ankle, for example, liability insurance will pay for his/her medical expenses, up to the policy limit.
Homeowners insurance doesn’t protect you against everything: Insurers routinely exclude things such as flood damage and earthquake damage from coverage, though separate flood and earthquake policies may be available where you live.
Check with your Higgins Insurance Agent about the availability of flood insurance in Kentucky or Tennessee. We have locations in both states. Our Hopkinsville office is located at 1819 E. 9th Street, Hopkinsville, KY 42240. Our Clarksville office is located at 120 Center Pointe Drive, Clarksville, TN 37040.