Medical Payments Coverage Offers Homeowners Peace of Mind

Imagine your daughter is playing in the yard with friends. Suddenly she runs in, crying that her best friend fell and hurt her arm. You rush out to find the girl lying on the ground, screaming, and holding her arm that seems to be broken. Just then her mother runs up — and, as she scoops up her daughter, snaps at you angrily, “I hope you have good insurance!” She then rushes her daughter to the emergency room. Although the mother was clearly speaking in anxiety and anger arising from seeing her child hurt, she has raised a good point.

Fortunately, your Homeowners insurance comes into play in a situation like this, Every Homeowners policy includes Medical Payments (or “med pay”), which covers medical expenses from an injury to a person on your premises with your permission, regardless of who was at fault.

By stepping up immediately to help with medical expenses, admitting no more than that the child was in your yard at the time of the injury, you might well avoid a lawsuit for damages. Rather than infuriating an already angry parent, med pay allows you to show your concern and offer financial support in a stressful situation.

Note that med pay coverage does not apply to everyone injured on your property. For example, it won’t pick up the medical expenses of someone insured under the policy (such as a family member) or for an injury arising from a business conducted on your premises (such as a day care center).

Your Homeowners policy helps protect you against a wide variety of losses. Give us a call and our Protection Coaches® will be happy to fill you in!

Here are 4 Easy Ways to Reach Us:
Call 951-600-5751 or 877-994-6787
Fax 951-677-6265
Email – insure@siaonline.com
Visit www.siaonline.com

Protect Your Business From Fire

A recent report describes the fire-protection systems in many of the nation’s assisted living facilities are dismal. Many are missing basic safeguards such as smoke alarms and sprinklers. As a result, these facilities have suffered an average of one fatal fire per month during the past five years. In an industry this large, and with deep emotional implications, this matter will continue to receive nationwide press coverage.

This media attention should help businesses in all industries understand the importance of adequate fire protection. The cost of updating these systems pales in comparison to the huge emotional, physical, and economic damages that a single fire can cause.

As a business owner, you need to ask yourself these questions:

  • Is your structure capable of withstanding a blaze?
  • Is your staff aware of safety measures to both prevent and combat a fire?
  • What about your surroundings? Are the businesses near or next to you prepared?
  • If the worst were to happen, how long would it take your business to bounce back?

Although it might take intensive effort to protect your building against fire, carrying the proper insurance is one decision you can make immediately. Invest in comprehensive Property and Business Income coverages today!

Contact us for more information on how these policies can help your business bounce back after a fire or other disaster. Our team of knowledgeable business insurance experts for your free insurance quote at 877-994-6787, that’s 877-99-INSURE!