If you are a business owner, you need commercial insurance. Epic Insurance, serving Lees Summit, MO and the surrounding areas, can provide this vital coverage.

Why Commercial Insurance?

Some small business owners may wonder why they need this coverage. After all, money is tight in the beginning, and they need to exercise care when spending their money. But even if a business is not profitable, commercial insurance is a must.

In the event a client or customer falls on company property and gets injured, any costs associated with that injury will need to be paid by the company. Or if an employee decides to file a lawsuit against the company for any reason, the company could be liable.

There are commercial insurance policies that all businesses need to offer protection from the risks that come with doing business. If these expenses need to be paid out-of-pocket, it can mean the difference between going under and staying afloat.

Another point in favor of commercial insurance is the fact that the Internal Revenue Service (IRS) considers insurance policies a necessary cost of doing business. Therefore, they are tax deductible.

In today’s society, the chances of a business not being sued at some point in time are small. So, a company needs to be ready. If one angry client or former employee decides to sue and you don’t have insurance in place to cover the legal costs and possible costs of a settlement, you are going to be in trouble financially.

The expenses related to a trial alone could close your business down, especially if it is in the early stages of growth.

Reach Out To Us

Don’t risk your livelihood by not having the insurance coverage necessary to safeguard your Lees Summit, MO business. Epic Insurance can provide a quote or answer questions related to commercial insurance. 

Interested in purchasing insurance for your motorhome? At Epic Insurance, our team is offering motorhome insurance to the people of Lees Summit, MO. This tends to cover a client in situations involving their RV or motorhome. Owning a motor vehicle comes with a lot of responsibility, from regular maintenance to premium payments. It helps to invest in a form of coverage that will provide payment in the event of damage or loss. 

Reasons to Buy Motorhome Insurance

Just like any other vehicle or domicile, a motorhome is susceptible to damage or loss. Motorhome insurance can provide a number of benefits, most notably financial protection against theft, vandalism, or natural disaster. If the driver doesn’t have liability or auto insurance, this type will cover you against these perilous events.

You’ll need to speak with your agent to learn what specific policies can and will be incorporated into your insurance plan. Some packages may even pay for medical bills incurred by a motorhome accident. Ultimately, this should give you a sense of security in knowing that the agency will financially back you or your family members. 

Get Motorhome Insurance Today

Are you looking for insurance benefits for your motorhome vehicle? If so, then feel free to contact the Epic Insurance Agency in Lees Summit, MO. In addition to this service, we’re offering auto insurance, watercraft insurance, and recreational insurance. Our policies are crafted to meet the needs of our clients.

To schedule an appointment with one of our agents, please contact the Epic Insurance Agency for more information. During the initial consultation, we discussed the client’s options and how our team can tailor the motorhome insurance plan to suit your needs.

One of the aspects Lees Summit, MO motorcycle enthusiasts most look forward to when they purchase their bikes is having the opportunity to customize. This means that no two motorcycles will be the same, as there are endless ways to modify a chopper, truly making it your own. Our insurance experts at Epic Insurance are to guide those looking for motorcycle insurance on this important coverage. 

What is Custom Motorcycle Insurance?

Motorcycle riders are compelled by state law to purchase liability insurance in the amount of $25,000 per person for bodily injury and $50,000 per accident.

Most lenders will require you to obtain full coverage indemnification to cover the cost to replace or repair your bike while you still carry a balance. This protects you when you’re involved in a wreck and it’s your own fault, as the other driver will not be paying for your expenses. Your Epic Insurance representative can go into further detail with you about this scenario. 

Custom motorcycle insurance takes into account the individual value of your bike, and aftermarket parts will have to be divulged and described in detail. It can be more difficult to obtain this type of insurance if your motorcycle is not one that is listed in the NADA appraisal guide, a circumstance that is often the case when you build from a kit or from various components. 

A benefit of custom motorcycle coverage is that your bike can be repaired using the same quality equipment with which it was outfitted prior to the collision. You can ask your insurance provider what the replacement allowance is for accessories and any custom parts to make sure you are sufficiently covered. 

Let Us Meet Your Insurance Needs

Epic Insurance is happy to serve motorcycle riders in the Lees Summit, MO area. Reach out to us by phone, visit us online, or stop by the office, and we can put together a package to suit your situation. 

Some life insurance offers a death benefit to your beneficiary and a savings or investment account tied to it. When a life insurance policy has one of these savings accounts, the insurance industry says it includes a cash-value savings account. Our experienced insurance professionals at Epic Insurance in Lees Summit, MO can help you navigate this vital coverage.

Life Insurance as an Investment Tool

Industry experts recommend that you purchase this type of whole life policy by age 30. This lets you save until your planned retirement or death.

Your monthly premium goes to pay for your life insurance first, then deposits the rest of the premium in a savings account.  Some of these accounts offer high-yield interest rates while others use a stock market index as a guide for paying interest.

All of these savings accounts guarantee no loss of your initial investment, so they can provide a safer way to invest in the stock market. Since you won’t lose your capital, you can more easily build your nest egg.

The rest of the life insurance policy works just like any other whole policy. As long as you pay your premiums, you receive coverage. Upon your accidental death or death by natural causes, your beneficiary receives your policy’s death benefit.

While cash value policies once only came in large dollar benefit policy plans, today you can pick up life insurance with a cash value account for a death benefit of $75,000.

Get Life Insurance Today

Let Epic Insurance help you insure your life in the greater Lees Summit, MO community. A life insurance policy provides for your family now through a cash value account and later through the insurance policy’s death benefit. Contact us today.

The decision you make about your health insurance is one of the most important you make every year. It will determine the kind of health insurance coverage that you will have for the next year. If you get it wrong, a year can seem like a really long time. At Epic Insurance in Lees Summit, MO, we are an independent insurance agency and, as such, we deal with multiple carriers, giving our customers more choices. 

Health Insurance FAQs

Can I keep my current doctors?

Before you sign up for any health insurance plan check the network to make sure the doctors you prefer to use are in the network. The network is made up of healthcare professionals who have agreed to provide services to a particular carrier for a specific rate. If your doctors are important to you, you need to choose accordingly. 

What is the formulary?

The formulary is the list of drugs that a given health insurance plan will cover. They are arranged by tiers depending on how much a prescription will cost. Some drugs may have no copay and others may have a deductible. Generic is almost always less expensive. 

What is managed care?

Managed care is a type of health insurance plan that manages your health care. Depending on what type of plan you choose, these plans can be quite restrictive. The three most common are HMO, PPO, and POS. With an HMO you can not visit doctors and other healthcare professionals outside the network except for an emergency. You also have a primary care doctor who manages your care. The other two types are less restrictive, but it will always be less expensive to get treatment within the network. 

Get Health Coverage Today

Contact Epic Insurance in Lees Summit, MO to talk about your health insurance and what plan works best for you. 

In Missouri, there are two types of commercial insurance that some businesses in the state are required to have. It’s a good idea to know which commercial insurance policies are required and whether the rules pertain to your business. When your business needs commercial insurance, call us today at Epic Insurance in Lees Summit, MO.

Required Commercial Insurance

Workers’ Compensation Insurance

This type of insurance is one that pays for medical bills and disability benefits for workers who are injured at work or who get sick there. When an accident or work-related illness does happen, this insurance is important to protect your company from high medical costs and lawsuits. For employees, it’s helpful to know that there is a payment available in case of an accident that injures them. This type of commercial insurance is required for all businesses that have at least five employees. These employees can be either part-time or full-time. If you have a construction business, however, having any number of employees, even just one, requires having this type of commercial insurance. 

Commercial Auto Insurance

If your business owns a vehicle, you must have commercial auto insurance on that vehicle to stay legal. This insurance covers the vehicle against a wide range of liability risks that vehicles face on the road. There are several types of coverage that are required to be in these policies. These include an amount of coverage for a single injured person from an accident and a higher amount required for all of those injured. Both these amounts are for bodily injury liability. There is also property damage liability required as well as an amount for uninsured motorist coverage for one injured party and another amount for all of those injured. 

Get Insured

If your business is required to have commercial insurance, call us at Epic Insurance in Lees Summit, MO.

Boating is a popular recreational and business activity in Lees Summit, MO. As a boat owner who uses their boat for commercial purposes, you have likely been advised that you need to get a marine hull and liability policy severally. Although these two insurance policies are usually bundled together, they are quite different.

So, what’s the difference? Hull Insurance provides coverage for physical damage to your vessel, while liability insurance commonly covers passenger and third-party injuries and third-party property damage. Having both policies gives you and your commercial boat operations 360 insurance coverage.

Who Requires Marine Hull and Liability Insurance?

At Epic Insurance, we recommend that private and commercial watercraft owners and operators and other associated businesses get hull and liability insurance. This includes ferry operators, fleet owners, ship owners, charter and tourist boat operators, persons and companies with loans on vessels, and work and tug boat handlers.

What Marine Hull and Liability Covers Should You Consider?

• Vessels/hull insurance takes care of accidental loss or damage to a watercraft anywhere within the predefined navigational limits listed in the policy. Your boat will have to be valued and inspected to set an agreed value for the insurance. 
• Liability insurance is available as a stand-alone cover or an extension to the vessels/hull insurance. Limits for the policy can be agreed on based on territorial limits, use, and vessel type. 
• Ship repairers’ liability is coverage against legal liability for ship repairers if loss or damage occurs to a boat in their care, control, or custody. 
• Ship builders’ risk provides coverage to ships under construction or conversion. It protects against physical loss or damage during launching, sea trials, and other liabilities that may arise due to the build. 

Do you need help with marine insurance in Lees Summit, MO? Contact us at Epic Insurance, and our highly experienced and friendly insurance agents will help your figure out marine insurance.