When Does A Recreational Vehicle Need To Be Insured?

When it comes to recreational vehicles in Ballston Spa, NY, whether we’re talking boats or RVs, the question of insurance comes down to this: Does it have a motor in it?

If it has a motor, you need to call Zapp Insurance Agency and get it covered. If it doesn’t have a motor, you’re not required to carry insurance. That said, it may be foolish to go without in some instances. A $200,000 sailboat might not require insurance, but you’d be crazy to set sail in something like that without some protection. Anything can happen out on the open waters, after all.

The same goes for campers and motorhomes. If you pull your camper with a truck, it doesn’t need to be insured. If you drive a motorhome, then that has an engine in it and needs liability insurance.

There is some gray area here when it comes to things like four-wheelers and dirtbikes. These are a type of recreational vehicle, but if they’re only operated on private property, and not on roads, then you might not need to carry insurance on them. Again, this can be a matter of personal discretion. You might not feel safe driving an $8,000 dirtbike without coverage, but as long as it is not equipped for roads and streets, and you do not take it off of the private property, you’re not legally required to carry insurance. It might be a good idea, but it’s not technically required by law.

If you’re looking to get your RV, bike, boat, or whatever it is you ride for fun in Ballston Spa, NY covered, give a call to Zapp Insurance Agency and see what they can do for you.

5 Tips for Getting the Most Out of Your Commercial Insurance

It doesn’t matter if you’re just starting out with your business or you are changing insurance providers, it’s important to pay attention to the details before you sign up. Buying commercial insurance doesn’t have to be a headache, especially with the help of an agent from Zapp Insurance Agency of Ballston Spa, NY. Here are 5 ways you can make sure you’re getting the best insurance policy for your situation.

Liability Insurance Is Key

You’ll want to get liability insurance coverage, regardless of the type of company you have. It will cover your business in a broad sense against claims of negligence, injuries, and accidents. Check with your insurance provider that the amount of coverage is in line with your business’ level of risk.

Auto Insurance for Company Vehicles

If you have vehicles that you use for business purposes, it’s in your best interest to have commercial auto insurance on them. It will cover the cost of an accident if you or an employee are found to be at fault.

Workers’ Compensation

This should be set up to serve as protection in case a full-time employee becomes ill or injured and it’s deemed to be related to their work activities. It usually covers the person’s lost wages, medical treatment, any disability benefits they may need to get, and legal fees if the individual or their family decides to sue.

Data Breach Insurance

This is ideal if you keep or work with customers’ sensitive information. It can help you protect against an electronic or physical breach of information. Small and medium-sized businesses are increasingly being made targets of hackers, so don’t overlook this when you’re putting together your policy.

Go Through a Small Insurance Firm

A smaller firm will be better at discussing your needs and anticipating anything that you haven’t considered. It’s always good to run through any potential circumstances that your company is at risk of and will need insurance coverage to protect against.  Zapp Insurance Agency of Ballston Spa, NY will help you figure out the types of insurance your company needs.

What Types Of Vehicles Require Classic Car Insurance?

Most people know that you must have liability insurance for your car to be legally on the road. People who have older cars, choose to carry liability insurance only in many cases to save money. However, if your car is a classic or antique, you may be wondering if you need classic car insurance instead?

Classic Car Insurance

If you have a vehicle that is worth a significant amount more than other models like it on the road, has been restored, and meets certain guidelines related to the amount it’s driven and how it is stored, classic car insurance may be a good choice. Unlike traditional auto insurance, classic car insurance tends to be cheaper and pays out the guaranteed value of the vehicle after it has been appraised or investigated by the underwriter. An agreed-upon amount will be paid out if a covered event occurs. Keep in mind that there are specific limitations to be aware of before making a selection.

Getting Top Coverage

The best way to protect a classic car is by acquiring quality insurance products. When you begin shopping for a policy, make sure to work with an insurance agency that has experience in this area. The agent should be able to tell the client if they qualify for certain policies and outline the terms and conditions clearly to help avoid coverage issues if there is a claim. Additionally, make sure you have an appraisal or meet with an underwriting agent who can determine the value of the vehicles and then help determine the agreed-upon amount of coverage. An excellent insurance agency to work with when exploring classic car insurance options is Zapp Insurance Agency. They proudly serve the residents of Ballston Spa, NY who are in need of top insurance products.

If you are searching for classic car insurance, call or stop by Zapp Insurance Agency, serving the residents of Ballston Spa, NY. Protect the things that matter to you with superior insurance options. 

Commercial Insurance For Sole Proprietor Businesses

There are many types of businesses – even in a village like Ballston Spa, NY – each with their own unique challenges. Even a sole proprietor venture has risks that other businesses do not. Zapp Insurance Agency wants to make sure our local business owners understand the hazards associated with running your business alone, and how commercial insurance can protect the future of your operations.

What Is A Sole Proprietor Business?

When starting a small business, a sole proprietorship is a most common and relatively simple way to go. Sole proprietorship entitles you alone to the profits from your business. This also means you are responsible for losses, debts, and liabilities laid upon your business. Since this business does not incorporate you, the law does not distinguish between you and your business.

Why Do I Need Commercial Insurance For Sole Proprietorship?

Total control of your business can be burdensome. As a sole proprietor, you will be personally liable for your business and that means that your private assets could be at risk to cover damages you’re found responsible for. For example, if you accidentally damage a customer’s property and you do not have commercial insurance coverage then the resulting settlement could come from your personal savings or assets such as your car or house. 

What Kind Of Insurance Is Available For My Business?

Most small businesses need general liability insurance. This covers common risks such as accidental damage, bodily damage, and personal injury (such as slander and libel). Depending on your type of business, consider additional coverage for automobiles used in the operation of your business.

Whether you’re just starting a business or looking to insure an existing sole proprietorship in Ballston, Spa NY, let Zapp Insurance Agency find the right commercial insurance for you today!

How Do I Determine the Value of My Classic Car?

The agents of Zapp Insurance Agency understand the connection classic car enthusiasts have with their favorite automobiles. In Ballston Spa, NY, agents work with their clients to help them find an appropriate value for their classic cars once they have been fully restored. The actual value of the car is often nowhere near the sentimental value so it’s important to know how to obtain an accurate figure for insurance purposes.

Compare to Other Vehicles

One of the best ways to estimate the value of a classic car is to compare it to other cars of the same make, model, and year that have undergone the same restoration processes. This will only provide an estimation but may be more accurate than counting receipts or checking with Kelly Blue Book values.

Talk to an Appraiser Who Works With Classic Cars

Another option is to call an appraiser who works with classic or antique cars. They understand how to rate workmanship and also how to compare numbers throughout the vehicle to ensure all of the parts would have been used in the original car when it was first manufactured. An appraiser’s estimate will be more accurate than a comparison because they understand what to look for in terms of value and quality.

If you live in Ballston Spa, NY and have questions about your classic car’s value, call the agents of Zapp Insurance Agency. The agents understand how important a classic car can be, especially if it is rated as vintage or antique. Call the office today and schedule a meeting with one of the agents to get the answers you are looking for.

Why You Should Max Out Your Recreational Insurance Coverage

Zapp Insurance Agency serves Ballston Spa, NY with coverage for all of your recreational vehicles including all classes of motor homes, many types of boats and watercraft, and many types of off-road vehicles. We want you to be able to have a blast when you are enjoying your time out in the wild, so we urge you to go with full coverage.

Reasons to Go Full Coverage When it Comes to Recreational Vehicle Insurance

  • The risk is greater than in your daily driver. You will likely be going into areas with your off-road recreational vehicle, boat, or even RV that you would not take the family sedan. Negate some of your risk with maximum insurance.
  • You want to be able to sit back and relax, not to stress about what may go wrong during your downtime. If you are stressing about a flat tire, a dent that was not your fault or even damage that was your fault then you cannot fully enjoy your time. Full coverage plus add-ons like roadside assistance and boaters assistance can help keep your mind free to wander. 
  • The price difference for full coverage and bare minimum does not justify not upgrading in most cases. Each situation is different but the first time you have to use your insurance it will likely balance out in more ways than monetary. 

Contact us at Zapp Insurance Agency to discuss your recreational insurance before your next trip. We can quote a plan that fits your specific needs as you travel around and out of Ballston Spa, NY in your favorite recreational vehicle. Go, have fun and explore the country knowing that we will have your back if things go awry. 

Is Boat Insurance Mandatory?

Boat insurance is something that is helpful, but that may not necessarily be required. Boat insurance does help to cover a huge range of instances that you may not be really all that aware of and it can help you to recover if something happens. For those that live in the Ballston Spa, NY area, Zapp Insurance Agency can help you to get the boat coverage that you need.

In most cases, boat coverage is not required. There are some cases in which boat insurance is required. If you are boating on a private lake or a pay lake for instance it might be required that you have boat insurance in order to be able to boat on the water there. This is a requirement for that particular lake and may not be required for all lakes and for all places that you are going to boat. For the most part, boat insurance is not going to be required for you to be able to boat in public places.

Just because boat insurance is not required does not mean that it is not going to be beneficial for anyone that is going out to go boating. Boat insurance is beneficial for a few different reasons. For starters, if you are in an accident and you are injured, your boat is damaged, or the other boater is injured, you can use your boat insurance to help recover. Boat insurance does help to cover the unexpected and is great if you are boating often and if you are boating where there are a large number of other people and where an accident is not all that out of the realm of possibility. For those that live in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you get the coverage you need.

Are Bicycles And Other “Toys” Included in My Renters Insurance Policy?

Renters Insurance is that unique branch of insurance that you can add a lot of specific coverage items to it. However, it is also the type of insurance that is very specific. If you own a boat or another toy such as Jet-ski‘s or any other type of watercraft there’s a good chance you will not be keeping it in your apartment. However, if you do have it in your rental home and you want to add it to your renters insurance it is a great idea to document it on your policy. Just to be safe it is the best policy to have separate toy insurance for your recreational vehicles. A bicycle is primarily kept in an apartment or at your rental home and can be a natural part of your renters insurance policy. We do like our toys in Ballston Spa, NY. Great for us and the people who reside in the surrounding areas that we have Zapp Insurance Agency, so that we can learn how to protect them.  

Speak with one of our agents to find out how your renter’s insurance can best benefit your personal lifestyle preferences. Every renter is different so their needs are different in terms of what needs protecting. 

It is always best to stay abreast of the new changing policy when it comes to renters insurance you may not have time in your busy schedule to keep current however the agents at our agency make it their business to know what new innovations are occurring in the insurance arena. And this way you stay ahead of the game and you never find yourself in a position where you are not covered. Ballston Spa, NY is the home of Zapp Insurance Agency. Come in today to find out all we know about renters insurance. 

Bought A New Kitchen. Is It Covered With Home Insurance?

Adding a new kitchen in your home in Ballston Spa, NY can be quite a luxurious thing to do. You may have new materials, state-of-the-art appliances, and much more. However, you have to look at whether it’s covered within your home insurance.

If something were to happen the day after your kitchen is installed, such as a fire, you would only be covered for the value of your home as it is listed in your policy. Adding a kitchen could have added tens of thousands of dollars in value to your home.

At Zapp Insurance Agency LLC, we recommend making updates to your home insurance after any kind of renovation or remodeling project that you do. All of those new materials and appliances need to be taken into consideration. If you don’t make an update, the insurance company would reimburse you based on what they have within the policy, which means you might not have enough to cover the posh new kitchen that you just bought.

Since you never know what could happen and when you need to protect yourself. Home insurance is only as good as what is contained in the policy. That means that you need to make updates to your policy on a regular basis. We suggest updating your policy at least once a year so that you can include new kitchens and other things that you do around the house.

If you ever have to file a claim with the insurance company, you want the reimbursements to reflect reality.

When you make home renovations, call us at Zapp Insurance Agency LLC. One of our independent insurance agents can make sure that you get the coverage that you need. We’ll get quotes and go over coverage levels so you have what is necessary for your home in Ballston Spa, NY.


Massage Therapists and Commercial Insurance

There are many massage therapists in Ballston Spa, NY, each of whom needs high-quality commercial insurance. If you’re a beginning massage professional and you don’t understand your insurance needs, let us at Zapp Insurance Agency help you choose the best policy for your needs. 

Why Massage Therapy Insurance is Beneficial

In some states, massage therapy insurance is mandatory, which means you’ll have to buy a policy to get any work. However, some states don’t make these policies a requirement. That said, you should still buy a policy to avoid financial loss due to injury or damage to your business property.

The Main Types of Massage Insurance

Massage therapists typically need three types of insurance policies, including:

  • General Liability – Protects massage therapists from accidents to their clients caused before, during, or after the treatment.
  • Professional Liability – This basic form of liability insurance protects you if you make a mistake that injures a client, such as pressing too hard on a sore area.
  • Business Property Liability – This coverage will protect your office – or your home treatment center – if it is damaged by burns or other types of problems.

These coverage options help to ensure that a massage therapist is protected from multiple types of losses. Business property liability will extend to items, such as your message board if you are a traveling or on-call massage therapist.

What Commercial Insurance Covers

Massage therapists who get commercial insurance protect themselves from:

  • Medical payments
  • Punitive damages
  • Legal fees in lawsuits
  • Lost income
  • Damage to their building
  • Equipment damage
  • Legal fees

Therefore, any massage therapist in Ballston Spa, NY should contact us at Zapp Insurance Agency to learn more about their commercial insurance options. Our agents will work hard to identify the best possible coverage for your needs.