Back to School Safety Tips

A primary concern for everyone is keeping students safe.  Here are some Back to School Safety Tips.

  1. Drivers, Slow Down.
  2. A bus with an extended stop sign indicates that drivers from BOTH sides need to stop.
  3. Children should know phone numbers, address, how to dial 9-1-1.
  4. Teach children not to accept rides from anyone they don’t know.
  5. If students are walking to school, walk in groups, use crosswalks, know alternate routes.

For more details and information see the American Red Cross safety tips at https://tennesseeredcross.blogspot.com/2018/08/red-cross-offers-back-to-school-safety.html

Summer Water Safety Tips for Boaters

Summer is here in Lees Summit, MO, meaning it is time to get out of the house and go enjoy time out on the waterTaking the boat out on the water is a great way to enjoy the summer with friends and family. You can relax on the boat, jump in the water to cool off or do some tubing. There are so many summer options available when you spend time out on your boat. 

However, with the summer fun, it is essential to stay safe out on the water. In addition to contacting Epic Insurance about your boater’s insurance needs, here are some tips to help keep you safe this summer while boating. 

Conduct a Safety Check

Before going out on the water:

  1. Conduct a quick safety check of the boat.
  2. Ensure you have all the essential safety items needed, such as a first aid kit, life jackets, etc.
  3. Check to make sure there is enough gas in the boat and is current on all maintenance checks. 

Watch the Weather

Before going out on the water, check the local weather forecast. If there are storms in the area, it might not be the best day to go boating. 

Wear Life Jackets

Every passenger should have a life jacket available on board. In addition, children must wear their flotation devices at all times.

Avoid a BUI

It is against federal law to operate a boat under the influence of drugs or alcohol. Therefore, whoever is going to be driving the boat should avoid becoming intoxicated. Selecting one or two people to be the designated driver is always a good idea. 

Enjoy the freedom of being out on the water this summer in Lees Summit, MO. Epic Insurance is ready to talk to you about your boat insurance needs for any watercraft. Contact us today to learn how to protect your boat and your family. 

How to Get Health Insurance Without a Qualifying Event

Perhaps you self-insured for many years, or you recently lost your job and missed the COBRA extension date. You can qualify for insurance right now, although open enrollment for health insurance occurs each November and December. You won’t purchase your permanent health insurance this way, but you can get a temporary policy to see you through. Here is how Epic Insurance can help.

If you explore the health insurance portal from your Lees Summit, MO home, you probably found numerous options, but see that open enrollment does not occur until November or December. You probably do not want to wait that long to own health insurance. You could purchase a temporary policy now that sees you through until the December open enrollment period.

You might also qualify to purchase regular insurance now under an exception. For example, if you did lose your job and your employer provided your insurance, you qualify for an exception. Another exception is if you just moved to another state. While you must prove that you qualify for the exception, this lets you choose your permanent policy now. Other exceptions include:

  • Aging off of your parent’s insurance policy,
  • Expired COBRA coverage,
  • Getting a divorce,
  • Getting married,
  • Having a baby,
  • Adopting a child.

If you do not qualify for an exception and you simply have not had insurance, you can still obtain it now. Contact Epic Insurance, serving Lees Summit, MO to learn how to purchase temporary health insurance, so you can have coverage throughout the year. When November rolls around, you can either continue with your existing policy or you can transition to a permanent policy that provides better coverage or a cheaper price.

What Does Recreational Insurance Cover?

Recreational insurance policies are common in Lees Summit, MO. However, most people do not have a comprehensive understanding of what RV insurance is likely to cover. Epic Insurance is committed to educating its customers to have a comprehensive understanding of RV policies.

Bodily Injury Liability

If you happen to be involved in an accident that causes bodily damages to another person, recreational insurance can help you deal with associated liabilities. Some of the common liabilities that this policy will cover in this case include medical bills, lost income, and pain or suffering. 

Property Damage Liability

While using a recreational vehicle, you might be involved in an accident that damages another car on the road or property. Recreational vehicle insurance will cover repairs and possible replacement of such properties. 

Collision Liability

Recreational insurance is essential in instances where the collision happens. Regardless of who caused the accident, your insurance company will cover all the possible repairs and damages. It is always advisable to have the necessary RV insurance if you have leased your RV, or you own it, to protect against collision while on the road.

Comprehensive Liability Coverage

There are other non-collision liability expenses and recreational challenges that you are likely to experience. They include floods, storms, fire, falling objects, theft, and vandalism. Your recreational vehicle insurance policy will cover all the repair expenses. 

Uninsured Motorists

Having RV insurance is very important because you will be protecting yourself against drivers who do not have insurance or money to cater to the liabilities they have caused. In this case, your recreational insurance will help cover hit-and-run incidences. 

Epic Insurance stands out in Lees Summit, MO, as a recreational insurance company. You can contact our recreational insurance experts for more details on this subject.

Three problems you can avoid by purchasing boat insurance in Missouri

As a boat owner in Lees Summit, MO, it’s important to invest in boat insurance coverage to avoid some costly problems. We sell boat insurance to Missouri boat owners at Epic Insurance.

Below are three examples of problems you can avoid if you invest in quality boat insurance coverage in Missouri. 

Losing your boat in an accident

If you carry a boat insurance policy with comprehensive and collision coverage, you will be compensated if your boat becomes damaged in an accident. You can even have your entire boat replaced if you carry replacement cost coverage.

If you don’t have any boat insurance, you will have to pay to repair your boat or replace it if it is destroyed. 

Going into debt over liability costs if you’re responsible for an accident

Perhaps one of the biggest reasons why you need boat insurance is to protect yourself against liability damages. If you are found responsible in an accident where others are injured or experience property damage, you will be expected to cover the resulting costs. 

Liability costs in such a situation could total hundreds of thousands of dollars or more. You could easily go into debt or be destroyed financially if you don’t carry liability coverage and you find yourself in this position. 

Having to pay to remove your boat from public waters

Another costly scenario is having your boat break down out on the water. You could be held responsible for removing your boat from public waters.

Salvaging a broken down or destroyed a boat and removing it from the water can be very expensive. Fortunately, you can include coverage for salvage and wreck removal on your boat insurance policy. 

Are you interested in learning about our boat insurance policies at Epic Insurance? Give us a call or visit our website to learn more about the insurance products we offer. 

Common Health Insurance Myths Exposed

Epic Insurance serves the Lees Summit, MO community, as well as the surrounding areas by offering residents multiple types of insurance coverage. We seek to help our clients find policies that will help them protect what matters most. As an independent agency, we have established successful partnerships with several carriers throughout the Midwest.

Common Health Insurance Myths Exposed

Health insurance is important because it allows you to have peace of mind if you are feeling ill or get injured. Health insurance covers your regular checkups and other types of preventative care. You are also covered if you seek emergency medical care and you are admitted to the hospital. The policy also covers you if your doctor prescribes some medicine to help you feel better. While you are assessing your options for health care in Missouri, avoid some of these common health insurance myths.

I’m Young So Coverage Isn’t Necessary 

This is a mistake, as you are never too young or healthy to take your health for granted. While you may be fine now, an accident can happen at any time. You have to prepare yourself. Health insurance provides a safety net in the event that something goes wrong in the future.

I’m Covered Anywhere

Most policies include a network. As part of your policy, you will have to find a primary care physician within the specified network. However, you may choose to alter your policy to see a physician outside of the preferred network. Do not automatically assume that you’ll be covered to see anyone in Lees Summit, MO at any time though.

I Can Rely On A Group Policy

Having your own policy is more beneficial because you can ensure that you will be covered regardless of the issue. Relying on a group policy could leave you unprotected.

Epic Insurance Will Help You Find Coverage

For more information on health insurance, visit our website today!

Does every business need commercial insurance?

Anyone that has a dream of owning a business and being their own boss should consider Lees Summit, MO as a place for opening and running the company. When you are in this area, you will enjoy the strong local population and economy. When starting a new company in this area of Missouri, it is important to assess the insurance needs that your business will have. 

Insurance is Mandated by Lenders and Investors

One reason that you will need to get a commercial insurance policy for your company is that it could be mandated by your lenders and investors. If you have ever taken out a loan or raised equity, the agreements you sign will likely have a provision that documents the type and level of coverage that you need to have. If you do not maintain this coverage going forward, you could be in default of the agreement and can jeopardize the professional relationship

Insurance is Needed to Protect Company

Another reason that you need to get a full commercial insurance policy is that it is needed to protect your company. If you intend to start your company, you will rely on its future financial viability. One way that you can ensure the future of your company is by getting a commercial insurance policy. With this coverage, you will protect all of your business assets and will also receive liability insurance coverage.

There are many great reasons to get a commercial insurance policy when you are in the Lees Summit, MO area. A great resource for your insurance needs is Epic Insurance. When you call Epic Insurance you will get to learn a lot about the advantages that insurance can provide to a small business and what protection is needed in your situation. 

Mistakes To Avoid While Researching Recreational Insurance Policies

Epic Insurance assists the Lees Summit, MO community, as well as the surrounding areas through offering multiple insurance policies. We are committed to providing excellent customer service while we ensure that our clients receive the insurance coverage that they are looking for.

Recreational Insurance

Missouri is home to many parks and campgrounds. As such, a large number of residents enjoy exploring the great outdoors in their recreational vehicles. If you have a recreational vehicle, it’s important that you protect your asset. Recreational insurance acts as a form of auto and home insurance. The policy covers the vehicle in the event that it is damaged due to a natural disaster or accident. The property inside of your RV, such as your clothing and electronics, is also covered in the event that it’s stolen. While you are researching different policies, be sure to avoid some of these common mistakes.

Neglecting Liability Coverage

Similar to auto insurance, liability coverage protects you in the event that your vehicle injures someone or is involved in an accident in which you may be held responsible. Do not forget to include liability coverage in your policy because you never know what can happen in the future.

Failing To Prepare For A Worst Case Scenario

As an owner of a recreational vehicle, you’ll likely embrace some of the risks that come with a traveling lifestyle. Make sure that your policy takes that into account. Add roadside assistance so that you’re covered in the event of a flat tire or engine failure. If you stop at a campground and experience an unfortunate situation, make sure that your RV policy includes the necessary protection.

Failing To Plan For Changes

If you decide to own a traditional home or vehicle in the future, don’t forget to amend your RV insurance policy.

Epic Insurance Will Assist You

Stop by our office in Lees Summit, MO and we will help you find the right recreational insurance policy.

Summer Maintenance Tips for Boats

With the warmer months now upon us, thousands of boaters are taking to their nearby waterways for some fun. While boating is one of the most enjoyable recreational activities it can also be dangerous. Not only should you follow the tips highlighted below, but you should also have – and may be required to carry – boat insurance on your vessel. The pros at Epic Insurance in Lees Summit, MO are more than happy to provide you with a no-obligation quote that will offer you an abundance of peace of mind.

Detail Your Boat

Not only will washing your boat make it stand out in a crowd and look the best but also it will help prevent the buildup of salt and other water debris that can wreak havoc to your boat’s exterior and the outboard engine. Depending on how frequently you take your boat on the water, it may need to be washed as frequently as once per month. Otherwise, always aim to wash your boat at the beginning and end of every boating season to ensure it goes into storage clean and safe.

Check the Propeller

If your boat has an outboard motor be sure to examine the propeller as part of your predeparture routine. Start by using a deep socket wrench to ensure that the propeller nut is secure. Additionally, while you don’t have to do this before every trip, it is recommended to routinely remove the propeller to make sure that the fishing line has not wrapped around the shaft which could cause a heart-wrenching accident. Lastly, always give the propeller a once over with your eyes to visually inspect for damage and disrepair. 

.Check Your Oil

Your vehicle is not the only thing that needs to have its oil changed. Always check the fluids in your boat before hitting the water. If the oil is very dark or the engine is at the manufacturer’s recommended service oil, then it’s time to change it.

Types of Health Insurance and Your Options in 2020.

Health insurance is not really a one size fits all type of purchase. But navigating exactly what you need can be difficult, after all, people shopping for their own options in a variety of health insurance types is a relatively new concept. At Epic Insurance we offer a variety of insurance options and we will be happy to help clear up any confusion you have about the types and your specific needs. We serve the people of  Lees Summit, MO with comprehensive insurance services. 

Three Types of Health Insurance:

  • HMO – This stands for Health Maintenance Organization. This plan delivers a wide variety of health services through the largest network of providers. The downside is that you may have fewer options for healthcare providers. But an upside is that you likely have much less paperwork.
  • PPO – Stands for Preferred Provider Organization. It offers you a bit of freedom when choosing your healthcare providers but the out of pocket cost can increase with out of network doctors. There is more paperwork involved if you go out of the network so you do pay for the option with both time and money. 
  • EPO – Is short for Exclusive Provider Organization. You have more freedom than with an HMO to choose your providers and you do not need a referral to see a specialist. But there is zero coverage for out-of-network providers. The paperwork with this plan is less than with the PPO.

There are more types of health insurance that may fit your needs but these are the main three options that many choose. Epic Insurance can provide you with all of your insurance needs from home to auto to life to health. We are happy to answer any questions you may have about any of these.