Home business insurance benefits

At Epic Insurance serving Lees Summit, MO, they understand that although you may be a professional, working at home gives you the privilege to dress in jammies and bunny slippers if you choose. Although your dress may be casual, your attitude isn’t, nor should your approach to commercial insurance.

But the conundrum is, if you live and work at home, why would you need commercial insurance?  

Unfortunately, your homeowner’s insurance doesn’t cover anything business-related, for example, your home office or office space, important paperwork,  samples, inventory, computer equipment, data and more.

The right commercial insurance can cover things like the cost of replacing your lost property. replacing your lost income and the liability for injury to employees and clients.

However, you need an insurance professional to help you find the right insurance for your area and home business.

Here are some questions you should talk over with your insurance agent.

  • Is this where your primary business conducted? 
  • If so, do the clients or customers come visit you at your home to do business?  Or is all your business conducted off-site or remotely?
  • Are there any employees?   Do the employees come to work in your residence, or do you contract with them remotely?
  • Are there any business signs displayed?
  • Is there a separate entrance and office?
  • Or do you meet with someone in your living or dining room?
  • How many clients or customers visit the business a week?
  • Does the business use any flammable or hazardous materials?
  • Is there some kind of construction or small manufacturing done at this location?
  • Do you do shipping from this location?

At Epic Insurance serving Lees Summit, MO, they are happy to guide you through the process of choosing the insurance that works best for you and your home business.

RVs and Wintertime: How Insurance Works for You

Most think of summertime activities at the lake when they think of RVing. Sometimes the lure of the open road strikes in the fall and wintertime. The agents at Epic Insurance will ensure that you have the right insurance coverage for your RV and your lifestyle. Serving the Lees Summit, MO area, they are knowledgeable about insurance products for different classes of RVs and owners’ lifestyles. 

There are several factors that go into selecting the best RV insurance. Basic RV insurance will include liability coverage. Personal injury liability, collision and uninsured/uninsured motorist coverage is also available and familiar to most consumers. A comprehensive plan will cover damage to the vehicle and can include coverage for theft and vandalism. Talk with your agent and make sure that you understand fully what you are covered for. Having problems on the road is frustrating but it can be especially challenging in the winter months.

RV insurance also varies based on the class of vehicle. Class A motor homes are the largest with full size dining, bath and bedroom areas. Camper vans fall into the Class B category. The more economical, mid-size motor homes are Class C. Due the varying size and weights of RVs in each category, different insurance products are used. Also, policies are available to cover your personal items, vacation liability and permanently attached items such as satellite dishes or side canopies. 

Hitting the road during the winter can create fun family times. Touring areas with changing foliage or exploring the snow covered countryside can bring new experiences. The team at Epic Insurance wants you to be able to focus on family in the Lees Summit, MO area and beyond. Call them today and get the coverage you need throughout the year.

Tips for Small Business Owners When It Comes to Commercial Insurance

If you are starting your own business, there are several key tips that you’ll want to keep in mind when it comes to purchasing commercial insurance.

Remember that your home business also needs coverage.

First, remember that if you’re starting your small business in your home, you will still need commercial coverage.

Make sure your coverage is in line with state requirements.

Next, keep in mind that state requirements are different in every state, so make sure that you are aware of the commercial insurance requirements in your own home state.   

Make sure you know who your employees are and what contractors are working for you.

There is a difference between hiring contractors who work as freelancers and do small projects for you and working with your own employees. Naturally, you will need to have worker’s compensation policies in place for your employees, but you’ll be treating “contractors” differently.

Keep an eye on your coverage as you grow as a business.

Finally, as your business continues to grow, make sure that you keep an eye on the coverage that you have. You’ll want to make sure that you update your coverage when you have more employees, different products and services, and different property.

Contact Epic Insurance for More Information

If you are a resident of Lees Summit MO or have a business there and are looking for commercial insurance, let Epic Insurance help you find a plan that will work for you. We proudly serve businesses and residents in and around Lees Summit, MO, and we’d love to locate a plan the fits all your needs. Find out more by giving us a call directly or stopping into our nearest office location at your convenience. We look forward to working with you!

When Should You Increase Your Life Insurance?

At Epic Insurance, serving the greater Lees Summit, MO area, we are often asked how much life insurance a person should carry. However, there is not a one size fits all answer. Your life insurance policy may need to be increased or decreased as changes occur in your life. This may lead you to wonder when your life insurance policy should be increased. Here are a few of the times when you should think about increasing your life insurance policy.

You Are Adding to Your Family

One of the reasons you should increase your life insurance policy is because you are adding to your family. Your household expenses rise with each baby you have. As such, you need to increase your life insurance policy after the arrival of each of your children.

You’ve Taken on New Debt

Life insurance can help you spouse pay down debt if you pass away. As such, if you have taken on new debt, either by buying a new home, taking out a second mortgage to renovate your home, or taking out student loans to go back to school, you will want to increase your life insurance policy to cover this debt.

Your Pay Has Drastically Risen Since Your Last Life Insurance Increase

The last reason you will want to increase your life insurance policy is because your pay has drastically risen since you last took out a policy or increased it. Most people get used to living to a certain standard based on what they make. If you are making more than you did in the past, your spouse and kids may be used to this lifestyle. If you pass away, you want to ensure they can live the way they have become accustomed to by increasing your policy amount.

If it is time for you to increase your life insurance policy in the greater Lees Summit, MO area, contact Epic Insurance. We can help you determine how much life insurance you should have and then draw up a policy.

Reasons to Get a Business Owner’s Policy in the State of Missouri

Entrepreneurs are often concerned about what to do if something were to happen to their place of business, which is why they need to have an insurance policy so they can be covered for these types of liabilities. There are different types of coverage available, and all of them are meant to protect you against certain perils. You have the option to purchase a more comprehensive plan that can offer a more complete solution than just one type of coverage, and you can get that with a business owner’s policy (BOP).

Advantages of a Business Owner’s Policy

By getting a business owner’s policy, you can tailor it according to your specific needs, and it can be less expensive than getting each type of coverage individually. A business owner’s policy can include the following coverage options:

•    Property insurance
•    Business interruption/continuation insurance
•    Liability insurance

A business owner’s policy won’t cover professional liability, which is anything that was the result of a wrongful practice. And it doesn’t include any of the following:

•    Auto insurance
•    Workers’ compensation
•    Health insurance
•    Disability insurance

These policies must be purchased separately if you think it’s necessary

If you want to find a business owner’s policy that will meet your specific needs, then you need to get in touch with Epic Insurance in Lees Summit, MO. We have agents who understand commercial insurance in detail, and we would be happy to help you find what you’re looking for.

Who Can Qualify for a Business Owner’s Policy

Not everyone can qualify for a business owner’s policy, because certain industries have a unique set of risks that may be too costly for an insurance company to cover. These businesses may need a more customized form of coverage than what may be offered in a business owner’s policy. A home-based business with a small amount of people could start out with a business owner’s policy, and it can expand its coverage as it continues to grow.
To find out if you can qualify for a business owner’s policy, then you need to get a hold of Epic Insurance. We have served the people of Lees Summit, MO for a long time, so we understand the needs of the community. Get in touch with someone at our office to find out what we can do for you and your business!

Lees Summit: Get A Car Or Keep The Bus Pass?

Some towns aren’t car towns. If you live in a place like New York City, San Luis Obispo, or small towns like Winter Haven, Florida, you might discover that a car is more trouble than it’s worth. On the other hand, there are cities like Albuquerque where there’s not much public transportation to speak of, and everything is spread out, so you need a set of wheels if you don’t want to be constantly begging friends and family members for a ride.

Lees Summit, MO is one of those cities that can go either way. It’s an incredibly walkable town. There are plenty of affordable spots in the Downtown area, so if you work in the same neighborhood, there’s no reason why you’d need a car for your day to day life. Likewise, the public transportation in Lee’s Summit is pretty good. It’s not hard to get around by bus, for shopping, for work, even going on dates.

Not everyone in Lee’s Summit needs a car, but there are a few reasons to consider getting a car of your own. For instance, there’s plenty of work to be found in Lee’s Summit, but if you find a great job in one of the surrounding towns and suburbs like Grandview or Raymore, then you’re looking at a two hour bus ride or an Uber trip that costs you twice what you’re earning for a day’s work. Your car opens up your opportunities for advancing your career, and it means that you don’t have to live by the bus schedule. Not to mention road trips, and getting a little bit of privacy and space to yourself while you’re out and about.

If you’re considering getting a car of your own, we can help you to get a great insurance plan to keep you covered.

Neighbor Construction and Damage to Your Home

People in Lees Summit, MO generally get along fine with their neighbors until one does something that affects the living condition or enjoyment of the other. If not resolved correctly and quickly, these incidents can boil up into outright Hatfield vs. McCoy altercations in some case. Fortunately, unlike the old days, property damage issues can be resolved in a civil manner through a number of avenues. However, what many wonder is whether their homeowner’s insurance will get involved when there is damage to their own home.

The cause of the damage, the property line location and type of coverage purchased often dictates how involved the policy provider will be in the matter, according to Epic Insurance. Generally, damaged caused by an outside man-made force or action tends to be addressed. So whether a construction truck backed into a fence or home wall, or whether a crane dropped material on someone’s roof and damaged the tiles, the damage would likely be addressed. Then the insurance provider would file a claim against the neighbor and contractor to recover the expense. However, where the construction simply interferes with one’s enjoyment of his own property, such as an addition blocking out sunlight to one’s backyard, these issues are not structural and don’t really affect a home’s physical function. So they would not be covered. The homeowner would need to seek a civil action in court on his own to pursue recovery, usually through a nuisance lawsuit.

For those in the Lees Summit, MO area who need a second opinion on what a neighbor’s new construction project might mean to their policy, folks can give Epic Insurance a call for expert advice. Their agents have seen and worked with all kind of situations and can easily answer most technical questions adequately.

Get In On The Ground Floor: Home Insurance Concerns For Your Kitchen, Diningroom and Living Areas of Your Home

Do We Need to Know It All?

It is not our contention that every homeowner needs to know every aspect of their home insurance policy. However, it is a great idea to gain some knowledge as you look around your home to look at things in the perspective of what it means to protect it.

  • Kitchen – with the amount of electricity used in this one room, you want to ensure that all lines are properly maintained. Hear the water running? Homeowners should understand that maintaining water pipes is a responsibility as well. Insurance is impacted by flooding, fires and another calamity that originates in this room.
  • Living Room, Dining Room  – the place where we do most of our entertaining. Make certain the flooring is secure and properly maintained to ensure your guests don’t take a spill.  All aspects of these rooms must be maintained such as electricity and windows so that the threat of accidents are minimized or eradicated.

It is an epic affair when you decide to make Epic Insurance your insurance agent. Serving the Lees Summit MO area and the surrounding areas we act as a true agent of your insurance concerns and needs. In this way, you get the savings of the huge companies coupled with the personal attention of a personal agent who is aware of your individual situation and the needs that will answer your unique set of circumstances.

If you can make it into our offices in Lees Summit, MO or need to contact Epic Insurance via the website you will feel like you got in on the ground floor in so far as taking great care of the insurance for your home.

3 Reasons to Purchase Home Insurance Today

Are you considering purchasing a home insurance policy in Lees Summit, MO? If not, maybe you should be! That said, the following is an overview of three reasons to purchase a home insurance policy at Epic Insurance today.

Natural Disaster Protection

One of the top reasons to purchase a home insurance policy is to protect against natural disasters. An area well known for tornadoes, severe thunderstorms, flooding and more, purchasing a home insurance policy in Lees Summit, MO is vital to all homeowners.

Lawsuit Protection

Next, another top reason to purchase a home insurance policy to protect your estate against costly lawsuits. If you do not have the proper coverage in place, individuals and companies may come after you for financial compensation that could result in owing up to multi-millions of dollars. By purchasing your policy, you will ensure you have coverage in place in case an unfortunate situation unfolds on your property.

Protect Equity

Lastly, purchasing a high-quality home insurance policy ensures that the equity of your home is protected. In short, the value of your home is subject to a number of variables including market value. By purchasing a home insurance policy, you are ensuring that your home maintains its value even as other places in the area begin to deteriorate.

Overall, if you are seeking a high-quality home insurance policy in Lees Summit, MO, Epic Insurance is an excellent resource. Simply call, stop in, or email us today and find out how you can begin your home insurance policy immediately and hopefully save some money in the process. Your home and family have waited for protection long enough. Call us today!

RVing It In Lees Summit, MO

Did you know that Lees Summit, MO rates as one of the top 100 cities in America?  According to Lees Summit Tourism, it also has a vibrant economy and lots to do.  Once a farming community, it has held it’s historic charm enjoyed by residents and RV adventurers alike.  If you’re planning to take a trip to Lees Summit with your RV this year, here are RV parks in the area to take advantage of.

Longview Lake Campground

Located in Lee’s Summit, this RV campground has it all.  From big rig access to allowing pets,  and a big, beautiful lake this county campground is a family friendly choice.

Fleming Park/Blue Springs Campground

When visiting the Kansas City area, this campground is a good choice and only 20 minutes from Lee’s Summit.  It’s another county campground with RV hook-ups and a lake.  Pets are also welcome. The only downside to this RV park is that most sites require leveling, which can be a pain if you arrive by night.

Peculiar Park Place

The last one on our list, Peculiar Park Place is also located in the Kansas City area and open year round.  If you’re in the mood for some heartland America to refresh and revitalize your soul, then this is the campground for you.  It’s only 25 minutes from Lee’s Summit in the town of Peculiar.

Before heading out on your RV trip to Lee’s Summit, MO, be sure your RV insurance is up to date and covers any possible unexpected disaster. This way you can relax and enjoy this beautiful part of America knowing that your RV is covered from top to bottom.  At Epic Insurance, we have a passion for providing RV insurance and will help you get the best rates.