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Protect Your Business and Employees with Workers' Compensation from Kramer Insurance

In the fast-paced environment of today's workplace, ensuring the safety and well-being of employees is essential. Accidents can happen, regardless of the precautions taken, and being prepared is key. This is where Workers' Compensation insurance comes into play, offering comprehensive coverage for both employees and employers alike. When it comes to securing reliable Workers' Compensation coverage, Kramer Insurance stands out as a trusted partner, providing tailored solutions to safeguard businesses and their workforce.

Workers' Compensation insurance serves as a safety net for employees who suffer injuries or disease while on the job or during the course of their employment. From minor mishaps to serious accidents, this insurance ensures that employees receive the necessary medical treatment and financial support without facing undue burdens. Kramer Insurance's policies go beyond basic coverage, extending to Employers' Liability insurance, offering protection against related lawsuits as permitted under state law. This dual coverage not only shields employees but also provides peace of mind for employers, mitigating the risk of costly legal battles.

By choosing Workers' Compensation insurance through Kramer Insurance, businesses can prioritize safety while also fulfilling their legal obligations. Compliance with state regulations regarding workers' compensation is essential, and Kramer Insurance ensures that businesses meet these requirements seamlessly. Committed to excellence and prioritizing customer satisfaction, Kramer Insurance assists businesses in navigating the intricacies of insurance, providing customized solutions that address their unique needs and industry hurdles.

In conclusion, investing in Workers' Compensation insurance through Kramer Insurance is a proactive step towards safeguarding both your business and your employees. From comprehensive coverage to proactive risk management services, Kramer Insurance offers the support and expertise needed to navigate the unpredictable nature of the modern workplace. Don't wait until an accident occurs – secure the protection your business deserves with Kramer Insurance today. 

Get your free Workers' Compensation insurance quote today by contacting Kramer Insurance at (765) 896-8852. 

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Stay Safe & Responsible with Auto Insurance

Your car is an essential part of your life.  Whether you're running errands, driving to work, or planning a road trip with family or friends, you depend on your vehicle to get you where you're going safely. Here are a few reasons to consider securing your auto insurance coverage with Kramer Insurance today.

Legal Requirement & Financial Protection Did you know in many states it’s against the law to not have car insurance?  Driving without insurance can potentially lead to legal penalties, fines, or even suspension of your license. Auto insurance provides financial protection against damages or losses resulting from accidents, theft, vandalism, or natural disasters. Without insurance, you would be personally responsible for covering the costs of repairs or replacements, which can be very expensive.

Liability & Medical Coverage Liability coverage is a crucial aspect of auto insurance. It protects you if you're at fault in an accident and someone else is injured or their property is damaged. Without liability coverage, you could be personally sued for damages, which could result in significant financial loss. Many auto insurance policies also include medical coverage for injuries sustained in accidents. This coverage can help pay for medical expenses, rehabilitation costs, and even lost wages if you're unable to work due to injuries from a car accident. Let’s work together to find the right coverage options for you.  

Insure it with Kramer Ask us about auto insurance policies that include extra features:

Coverage for travel costs, including meals and lodging, after a comprehensive covered loss

Coverage for damage to a non-owned trailer

A comprehensive deductible for windshield repairs that will be waived when a damaged windshield is repaired instead of replaced

Get your free 12-month auto insurance quote today by contacting Kramer Insurance at (765) 896-8852 today

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Navigating the New Year: A Guide to Refreshing Your Insurance Coverage

As we step into the new year, it's an ideal time to reevaluate and refresh various aspects of our lives, and one area that should not be overlooked is insurance. Whether it's auto, home, health, or life insurance, reviewing and updating your coverage can provide you with peace of mind and financial security in the coming months. Here's a comprehensive guide to navigating your insurance needs in the new year:

Reflect on Life Changes

Before reviewing your policies, the first step is to reflect on recent life changes. Life is dynamic, and significant events may have occurred over the past year. Marriage, the birth of a child, a new home, or changes in employment status can all impact your insurance needs. Reflect on these life changes and consider how they might affect your coverage requirements.

Auto Insurance Adjustments

Are you still driving the same car? Has your commute changed? Consider updating your auto insurance to reflect any changes in vehicles or driving habits. Additionally, inquire about potential discounts, such as safe driving discounts or bundling policies to maximize savings. Kramer Insurance offers auto policies that can include extra features, like:

Coverage for travel costs, including meals and lodging, after a comprehensive covered loss.

Coverage for damage to a non-owned trailer.

A comprehensive deductible for windshield repairs will be waived when a damaged windshield is repaired instead of replaced.

Home Insurance Review

If you own a home, ensure that your home insurance policy adequately covers your property's current value. Renovations or improvements made in the past year may have increased your home's value, necessitating an adjustment in your coverage. It's also a good time to confirm that your policy includes coverage for any new valuable possessions.

Evaluate Life Insurance Needs

Life insurance is a crucial component of financial planning. If you experienced a major life event such as marriage, the birth of a child, or the passing of a loved one, or if it's been a while since you last reviewed your life insurance policy, now is the time to assess whether the coverage aligns with your current financial obligations and future plans.

By taking a proactive approach to your insurance coverage in the new year, you can ensure that you are adequately protected against life's uncertainties while potentially saving on premiums. By contacting Kramer Insurance, we can help you with insurance policies to help maintain your overall well-being and financial security. Contact Kramer Insurance at (765) 896-8852 for all your insurance inquiries today!

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Important Types of Insurance to Have During the Holidays

The holiday season can bring joy and excitement, but it's also a time when certain risks may increase. Having the right types of insurance coverage can help protect you and your loved ones during this festive time. Here are a few important types of insurance to review and consider during the holidays: Auto Insurance:With increased travel, there's a higher risk of accidents. Ensure your auto insurance is up to date and provides adequate coverage for potential mishaps. Kramer Insurance offers auto policies that can include extra features, like:

Coverage for travel costs, including meals and lodging, after a comprehensive covered loss.

Coverage for damage to a non-owned trailer.

A comprehensive deductible for windshield repairs will be waived when a damaged windshield is repaired instead of replaced.

Gift Insurance (Valuable Items Insurance) If you're giving or receiving expensive gifts like jewelry, electronics, or art, consider insuring these items separately. A valuable items insurance policy can provide coverage for loss, theft, or damage to these special gifts. We have offerings including: 

Increased limits for theft of money

Increased limits for theft, misplacing, or losing jewelry, guns, silverware, and trading cards.

Increased limits for theft of media from a vehicle

Blanket Jewelry - Covers your jewelry without making your list and schedules each item. We also offer bundles that cover items like trailers, watercraft, pets and animals, automatic garage door openers, siding and roofing, building additions and alterations, and personal business property.

Scheduled personal property - Covers items such as jewelry, cameras, musical instruments, and fine arts.

Identity Theft Insurance: Holiday shopping and increased online transactions can make you more susceptible to identity theft. Identity theft insurance can help cover the costs associated with restoring your identity if it's stolen. We have offerings such as:

Identity Recovery and Fraud Reimbursement

Remember to review your insurance policies regularly to ensure they meet your current needs. By contacting Kramer Insurance, we can help you review your current policies and explore new options that you may need to acquire. For all of your insurance inquiries, contact Kramer Insurance at (765) 896-8852 today!

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Prepare for 2024 by Reviewing Your Insurance Policies

Renewing and reviewing insurance policies at the beginning of the new year is a crucial financial practice that ensures individuals and businesses are adequately protected against unforeseen risks. As circumstances and needs evolve, so should insurance coverage. The start of a new year provides an excellent opportunity to assess any changes in lifestyle, assets, or business operations that may impact insurance requirements. Here are a few reasons to review your home, life, and auto insurance policies for the new year.

Lifestyle Changes The new year often brings about significant life changes, such as marriage, the birth of a child, or a change in employment. These events can impact the home, auto, and life insurance coverage. Reviewing policies ensures that coverage aligns with current circumstances.

Asset Valuation The value of assets like homes and cars can change over time. It's essential to update insurance coverage to reflect the current market value of these assets. This guarantees that the policy adequately addresses the replacement or repair costs in the event of a claim.

Policy Updates and Changes Insurance providers may modify their policies or offer new features. Reviewing existing policies lets individuals stay informed about updates or changes, ensuring they take advantage of improved coverage options or cost-saving opportunities.

By carefully reviewing policies, policyholders can identify gaps in coverage, update beneficiaries, and explore cost-saving options. This proactive approach not only safeguards against potential financial setbacks but also promotes peace of mind, allowing individuals and businesses to face the uncertainties of the upcoming year with confidence.

Be prepared for 2024 by contacting Kramer Insurance for all your insurance questions and needs. We can help you review your current policies and help you navigate the best policies for you and your loved ones. Contact Kramer Insurance at (765) 896-8852 today!

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No Tricks, Just Treats! Tips for a Safe Halloween Night!

It’s spooky season and we want to make sure Halloween is not only fun but also safe. Halloween is an exciting time for children, but it's also important to prioritize safety. Here are a few Halloween safety tips for parents and children this season. 

Plan a Safe Costume: Children have wild imaginations and Halloween is the night they get to live in that imagination. Is your child stealthy like a ninja for Halloween? You may want to consider costumes that will be easily identifiable and not dark in color. Choose costumes that are easy to see in the dark. If the costume is dark in color, consider adding reflective tape or stickers to make it more visible. Make sure costumes fit properly to prevent tripping hazards and avoid masks that can obstruct vision.

Stay in Familiar Areas: Stick to well-lit, familiar neighborhoods when trick-or-treating. Kids oftentimes wander away, so it is safest to be in a neighborhood you are familiar with to easily locate your child(ren). Consider participating in community or organized events, like trunk-or-treats, as they often provide a safer environment for children where you can keep an eye on them nearby. 

Adult Supervision: Young children should always be accompanied by a responsible adult while trick-or-treating. If you are allowing your child to participate in trick or treating with a friend, make sure an adult will be present with them, or volunteer to take them yourself. 

Older kids should travel in groups and have a set curfew and check-in times to ensure their safety. In addition to adult supervision, it's essential to discuss the importance of not going into strangers' homes and being cautious around pets, especially if they are not familiar with the children

Inspect Treats: Teach children not to eat any candy until it has been inspected by an adult and to report anything that may seem out of the ordinary. Check all treats for tampering or unusual packaging. Discard anything that appears suspicious.

By following these guidelines, parents and children can have a fun and safe Halloween celebration. Parents can also stay safe by investing in insurance with Kramer Insurance. Call (765) 896-8852 or visit kramerinsuresit.com to discuss your insurance needs and explore the options available to protect your loved ones. Get your free quote today!

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September: A Month to Reflect on Life Insurance with Kramer Insurance

As the leaves start to change and the air turns crisper, September arrives not only as a harbinger of fall but also as a reminder of the importance of life insurance. September is Life Insurance Awareness Month, a time for individuals and families to contemplate their financial future and the protection life insurance can provide.

Why Life Insurance Matters Life insurance is more than just a policy; it's a promise. It's a promise to your loved ones that even in your absence, they will have the financial security they need to carry on. Whether it's to cover daily expenses, pay off debts, fund your children's education, or leave a legacy, life insurance plays a crucial role in securing your family's future.

The sad truth is that many individuals are underinsured or lack life insurance altogether. According to the 2021 Insurance Barometer Study by LIMRA and Life Happens, nearly half of all American households admit they need more life insurance. This underlines the importance of Life Insurance Awareness Month, a campaign that encourages people to assess their insurance needs and take action to protect their loved ones.

Kramer Insurance is Here to Help Kramer Insurance understands that life insurance is not a one-size-fits-all solution. Their team of dedicated professionals takes the time to listen to your goals and concerns, offering personalized guidance to ensure you make informed decisions about your life insurance coverage. Here are some of the life insurance options you can explore with Kramer Insurance:

Temporary Temporary needs include home mortgages, short-term debt reduction, family income, and educational expenses that can last from as little as one year to 30 years. Term insurance provides affordable coverage for a specified number of years. It is the most cost-effective way to cover costs for loved ones left behind.  There are a variety of plans ranging from an annual renewable term ( 1-year plan ) to a level term plan that could last 10, 15, 20, or 30 years.

Permanent Permanent needs include those that last for your entire life, or potentially for periods of 15 years or more. Unlike term, permanent life insurance builds a cash value that increases the longer the policy is in force. Permanent needs may include final expenses and funds to cover estate taxes and retirement savings protection. Whole life and universal life plans are ideally suited for meeting these goals. With a permanent life insurance policy from one of our experienced carriers, you'll have guaranteed protection for your entire life

This September, take a moment to reflect on the importance of life insurance. Reach out to Kramer Insurance by calling  (765) 896-8852 or visiting kramerinsuresit.com to discuss your insurance needs and explore the options available to protect your loved ones. Get your free quote today!

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How to Leave A Legacy Through Life Insurance

Life is a journey with experiences that leave a remarkable impact on those we care for. As we go through life, we often ponder the mark we will leave behind when our time ends. One of the most profound ways to shape our legacy is through life insurance. Life insurance can transcend monetary concerns and enable individuals to leave a lasting impact on the world even after death.

Understanding Life Insurance as a Tool for Legacy Building At its core, life insurance is a contract between an individual and an insurance company. The individual pays regular premiums, and in exchange, the insurance company promises to provide a lump sum payment, known as a death benefit, to designated beneficiaries upon the insured's passing. While life insurance is primarily seen as a means to provide financial support to loved ones left behind, its potential for legacy creation goes beyond the immediate financial aspect.

Providing for Loved Ones The most common reason people acquire life insurance is to ensure that their loved ones are financially secure in the event of their passing. This immediate benefit is undeniable and is often the main motivation for obtaining a life insurance policy. It provides peace of mind, knowing that those left behind will have the means to cover funeral expenses, outstanding debts, and ongoing living expenses. By designating beneficiaries such as children, grandchildren, or other loved ones, a policyholder can provide a financial foundation that enables educational pursuits, business ventures, or other opportunities that might otherwise be out of reach.

Estate Planning and Wealth Transfer For those with substantial estates, navigating the complexities of estate taxes and wealth transfer can be challenging. Life insurance can serve as a tool for mitigating estate tax burdens and facilitating the smooth transfer of assets to heirs. By strategically structuring life insurance policies, individuals can ensure that their beneficiaries receive the intended inheritance without the burden of excessive taxes. Key person insurance, buy-sell agreements, and other insurance-based strategies can provide the financial resources necessary to facilitate the continuation of the business.

Choosing Kramer Insurance as Your Provider At Kramer Insurance, we encourage you to invest in life insurance. We can help you navigate which life insurance policy best suits you and your needs. If you have questions about our coverage or how we can help you leave your legacy, call us today at (765) 896-8852 or visit kramerinsuresit.com. 

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Severe Weather Can Do a Number on a Home. Here's What is and isn't covered by Standard Home Insurance

In today’s climate, the weather is completely unpredictable. It is more common for severe storms to touch down causing damage from strong winds, hails, and even flooding. As a homeowner securing home insurance, as well as reviewing what your plan covers can save you thousands of dollars in damages.

What Standard Home Insurance Covers

In most cases, a standard homeowners policy will cover damages to your home. In the case of extreme weather, standard policies will cover damages caused by hail, winds/tornadoes, and lightning. The majority of basic home policies will NOT cover damages to a home caused by flooding and earthquakes. In the case that these types of damages occur, a more extensive home insurance policy will need to be purchased. For individuals who live in extreme flood areas, there are policies at bureaus in place for continuous flooding/flood zones.

Kramer Insurance’s Home Policy and Bundles

Kramer Insurance’s home policy covers both your home and the belongings in your home. Here we offer competitive pricing with discounts for policyholders. We also offer superior claims service, we are a phone call away to help you with your coverage. Cover your home, auto, and life with our bundled endorsements to give you some of our most popular coverages. In the case of any damage to your home, Kramer Insurance has guaranteed replacement costs (your home will be covered in full if it's damaged or destroyed).

Don’t let bad weather get you down, contact Kramer Insurance for all of your insurance questions and needs. We can help you review your current policies and help you navigate the best policies for you and your home. For all of your insurance, contact Kramer Insurance at (765) 896-8852 today!

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The Importance of Paying Attention While Driving: Preventing Summer Accidents and Ensuring Adequate Car Insurance Coverage

As the summer season approaches, it is essential to remind ourselves of the importance of paying attention while driving. Summer months tend to see an increase in accidents compared to winter, making it crucial for drivers to prioritize safety on the roads. Here are a few reminders of the significance of attentive driving, and the importance of having appropriate car insurance coverage. 

The Importance of Paying Attention While Driving

Driving requires our full attention and focus. Unfortunately, distractions such as cell phones, eating, adjusting the radio, or engaging in conversations can divert our attention from the road, leading to accidents. By actively practicing attentive driving, we can:

Enhance Safety: Paying attention to the road allows us to anticipate and react to potential hazards promptly. It enables us to follow traffic rules, maintain proper speeds, and make safe lane changes, reducing the risk of collisions. With summer vacations, road trips, and recreational activities, there tends to be a surge in traffic volume.

Prevent Accidents: Distracted driving is a leading cause of accidents. By eliminating distractions and focusing solely on the task at hand, we significantly reduce the likelihood of being involved in a preventable accident.  Summer is a popular time for road construction and repair projects. These work zones can introduce potential hazards, increasing the likelihood of accidents if drivers are not attentive and cautious.

Protect Lives: Engaging in attentive driving not only safeguards our own lives but also the lives of fellow motorists, passengers, cyclists, and pedestrians. By being responsible and attentive behind the wheel, we contribute to creating a safer road environment for everyone.

Importance of Car Insurance

Car insurance is a crucial aspect of responsible vehicle ownership. It provides financial protection in case of accidents, damages, or injuries. Key reasons for having adequate car insurance coverage include:

Financial Security: Car accidents can result in substantial financial losses. Insurance coverage helps mitigate the financial burden by covering repair costs, medical expenses, and potential liability claims.

Legal Requirement: In many states, carrying a minimum level of car insurance coverage is a legal requirement. Compliance with these regulations helps avoid legal penalties and potential license suspension.

Peace of Mind: Having car insurance provides peace of mind, knowing that you are protected against unforeseen events and can recover from the financial impact of an accident.

Reviewing your car insurance policy periodically is essential to ensure it aligns with your needs and provides adequate coverage. Kramer Insurance offers expertise and a personalized approach to help with an insurance plan that suits your requirements while providing peace of mind on the road. Contact Kramer Insurance in Muncie today at (765) 896-8852 or visit kramerinsureit.com.

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Starting a Family? Consider These Types of Life Insurance.

First comes love, then comes marriage, then the baby carriage. They forgot one more important step, life insurance. The beginning of a family has two important life changes that trigger the need for life insurance, marriage and the birth of a child. When starting or blending a family it is important to get assets in order in case of an emergency. You would want to make sure yourself, your spouse, and your child(ren) are covered with life insurance.

A Little Lesson on Life Insurance

The primary purpose of life insurance is to provide capital to your dependents after they die. In the case of starting a family, your dependents will be your spouse and your children. Life insurance helps to cover funeral costs, pay the mortgage, provide funds to run the household and ensure that your dependents aren't burdened with debt. Life insurance is not for one sole person in the family, each family member can be covered with a life insurance plan. Kramer offers temporary and permanent life insurance policies. 

Temporary Policy

Temporary needs include home mortgages, short-term debt reduction, family income, and educational expenses that can last from as little as one year to 30 years.  Term insurance provides affordable coverage for a specified number of years.  It is the most cost-effective way to cover costs for loved ones left behind.  There are a variety of plans ranging from an annual renewable term ( 1-year plan ) to a level term plan that could last 10, 15, 20, or 30 years.

Permanent Policy

Permanent needs include those that last for your entire life, or potentially for periods of 15 years or more.  Unlike term, permanent life insurance builds a cash value that increases the longer the policy is in force. Permanent needs may include final expenses and funds to cover estate taxes and retirement savings protection.  Whole life and universal life plans are ideally suited for meeting these goals.  With a permanent life insurance policy from one of our experienced carriers, you'll have guaranteed protection for your entire life. Need to know which policy is right for you and your new family? Kramer Insurance can help you navigate your options. Reach out today for a free quote! Contact (765) 896-8852 or visit kramerinsureit.com

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Umbrella Insurance: What It Is & Why You Need It

Umbrella insurance will cover everything for those tough days that require a little extra coverage. Umbrella policies will support you if you have reached your limit on your premium base insurance. It will help to cover other outstanding expenses that your base insurance does not cover. 

What Does an Umbrella Policy Cover?

Umbrella Policies cover situations where you cause harm to others or damage someone else's property where you are at fault. Umbrella policies also cover medical bills and legal defense if you accidentally injure someone or if you get sued for board-related issues. For example, any form of a damaging accident, such as a car accident you cause or even a pet accident by your pet, will be covered under an umbrella policy.

Why You Need an Umbrella Policy

Acquiring an umbrella policy isn’t a necessity but more of a beneficial investment. The perks of purchasing an umbrella policy are coverage for the policyholder and the family members of the policyholder. Umbrella policies go into effect when other policies have expired, resulting in backup coverage to prevent any financial burden. Lastly, an umbrella policy is always great to have for any unforeseen circumstance that causes damage and requires costly repairs. The policy will help protect you financially! 

How Kramer Insurance Can Help

Do you need an umbrella policy? By contacting Kramer Insurance today, we can help you navigate whether or not it is necessary for you to invest in an umbrella policy. For your home, auto, life, and business policies, Kramer Insurance is here to help! Contact (765) 896-8852 to get a free quote and start planning today.

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Comprehensive vs Collision Auto Insurance

Let’s talk auto insurance! Auto insurance is insurance for cars, motorcycles, trucks, RV’s or any automobile that uses the road. With auto insurance those who invest can gain financial coverage for any accidents that may occur while using a motor vehicle. There are many various types of auto insurance but this blog will specifically discuss the difference between comprehensive and collision auto insurances. 

Comprehensive

The key significance in comprehensive auto insurance is this coverage is for cars that have not been in a physical accident. This coverage is for a stolen or damaged vehicle that was not directly impacted by motor collisions. For example car robberies, property (car) damage, vandalism, weather, and even hitting a deer will be instances where comprehensive coverage comes in handy. Comprehensive coverage is optional or depending on your insurance may fall under a certain plan. 

Collision

The difference between comprehensive and collision auto insurance is collision auto insurance is coverage for accidents involving another vehicle. Accidents with objects are also covered by collision insurance. For example an accident with a stop sign, light poles, etc. Collision coverage will help pay to repair or replace a car that has sustained lengthy damage after being in an accident. Collision auto insurance is the more typically option of coverage but both types of coverage are beneficial to invest in.

What We Offer

Auto insurance typically covers your vehicle, its contents, and legal obligations or medical expenses that may arise from an accident, as well as providing coverage in case the person at fault for the accident is uninsured or under-insured. At Kramer insurance we offer both comprehensive and collision coverages, along with some extra perks. We offer coverage for damage to a non-owned trailer, and  comprehensive deductible for windshield repairs that will be waived when a damaged windshield is repaired instead of replaced. 

Auto insurance is a necessary investment for every automobile owner. Consider Kramer as your insurance provider. Learn more about our insurance policies by contacting us at (765) 896-8852 today!

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Insure Your Love: Teaching Young People the Importance of Insurance

Insurance is an important aspect of personal finance and a critical factor in ensuring financial security. It is essential to teach the younger generation about different types of insurance and the importance of ensuring those you love.

The first step in teaching the younger generation about insurance is to explain the concept of risk management. This means understanding the risks involved in everyday life and how insurance can help mitigate those risks. It's also important to emphasize that insurance is not just for old age but also for unexpected events that may occur at any stage of life.

Types of Insurance

There are several types of insurance Kramer Insurance has to offer, including life insurance, car insurance, home insurance, and travel insurance. Life insurance provides financial support to the family of the insured person in the event of their death. Car insurance covers damages or losses incurred in an accident involving a car. Home insurance provides protection against loss or damage to the home and its contents. Travel insurance provides coverage for unexpected events that may occur during travel.

The Importance of Insurance 

It is essential to understand the different coverage options available for each type of insurance and to choose the right insurance coverage based on personal circumstances. For example, a young person just starting out may not need life insurance as much as an older person with dependents. Similarly, someone who frequently travels may benefit more from travel insurance than someone who rarely travels. Another important aspect of insurance is to ensure that the people you love are protected. This means buying life insurance for a spouse or children and car insurance for a teenager who just got their license.

In conclusion, insurance plays a vital role in financial security. It is essential to educate the younger generation about different types of insurance and the importance of ensuring those you love. Understanding the risks involved in everyday life and choosing the right insurance coverage can help ensure financial stability in the face of unexpected events.

Kramer Insurance can help you learn more and navigate the different types of insurance and determine which one would be best for you. If you're interested in obtaining more information, visit our website kramerinsureit.com, or contact us today at 765-896-8852!

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Small Businesses Matter!

Are you a small business owner or plan on establishing your small business this year? Do you have employees? Do you outsource some of the materials necessary to run your business? Have you considered investing in small business insurance? If you answered yes to any of these, we suggest you invest in Kramer Insurance’s business insurance, suitable for small business owners like yourself. 

The Importance of Business Insurance

The main importance of business insurance is to protect you in case of liability and property damage claims. As a business owner, you are providing products or services to other people on a smaller scale. Business insurance is a layer of protection to prevent you from paying large sums of money out of pocket. As a small business owner, it is imperative to be prepared for any claims that may take a toll on the business. 

What We Offer

At Kramer Insurance, we offer benefit plans that protect your company and your employees. According to the SBA, to have working employees, business owners must have “workers’ compensation, unemployment, and disability insurance.” Luckily Kramer is your one-stop shop for business insurance. We offer coverage including business liability, employee practices, worker’s compensation, and more forms of insurance to ensure smooth sailing for your small business.  Kramer Insurance and our carriers have a vast appetite for Business Insurance. Our agency is dedicated to helping business owners make decisions about their insurance needs. To view the various types of business, we cover visit our website kramerinsureit.com. If you're interested in obtaining more information or a quote, contact us today at 765-896-8852!

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Goodbye 2022, Hello 2023: Reviewing Your Insurance Policies

A new year may cause new insurance policies. Now is the time to reflect on your life changes during 2022. Did you remodel a home? Did you have a baby? Did you inherit or receive something valuable that isn't insured? If the answer is yes to any of those questions, it is time to update your insurance policies. 

Auto Insurance 

Let’s look back on the year pertaining to your auto insurance. Did you purchase a new vehicle? Every vehicle should be covered with insurance in case of theft or accidents to secure your safety. Did your dependent receive their driver's license? When your child receives their driver's license, that could also be a trigger to update your insurance policy to include them. Without coverage, expenses for accidents will be more costly. 

Homeowners Insurance

If you purchased a home in 2022, congratulations! Do you have the proper coverage for your home? Other changes for current homeowners that would cause review in your policy are remodeling a home, purchasing a family pet, and acquiring or selling an expensive asset. With new and improved features in and around your home, you want to make sure things you hold value to are insured. 

Life Insurance

Life changes every day, and many life changes occur on a daily basis. Life insurance is the most important policy to review when heading into the new year. Factors such as marriage, the birth of a child, retirement, and buying a new home are changes to think about when updating or reviewing your policies for the new year. When did you last check the beneficiaries on your policies? This is a good time to review the beneficiaries of your policy. Did you retire in 2022? If so, congratulations! Did you have a life insurance policy with your job? 

Contact Kramer Insurance for all of your insurance questions and needs. We can help you review your current policies and help you navigate the best policies for you and your loved ones. For all of your insurance, contact Kramer Insurance at (765) 896-8852 today!

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Three Important Types of Insurance for the Holiday Season

It’s the holidays! That means ensuring you, your loved ones, and your valuables are insured.  This is a good time of year to review your personal insurance, auto insurance, and life insurance policies. 

Bundled Personal Insurance

Here is a sampling of some of the increased limits and additional coverages that would be available to you:

Identity Recovery and Fraud Reimbursement

Increased limits for theft of money

Increased limits for theft, misplacing, or losing jewelry, guns, silverware, and trading cards.

Increased limits for theft of media from a vehicle

Auto Insurance

Does your policy properly cover the contents of your vehicle if you are in an accident? With many traveling for the holidays, it’s a good idea to review your policy to make sure you have the proper coverage.  You do not want to be under insured if you have an accident. Kramer Insurance offers auto policies that include extra features, like:

Coverage for travel costs, including meals and lodging, after a comprehensive covered loss.

Coverage for damage to a non-owned trailer.

A comprehensive deductible for windshield repairs that will be waived when a damaged windshield is repaired instead of replaced. 

Life Insurance

There is nothing more important than your life and the life of those you love. Giving the gift of financial security in the event that something tragic happens is a true gift.  At Kramer Insurance, we would be more than happy to talk with you about life insurance options that best meet your needs.

The holidays are the time to put your family first and to make sure you have everyone and everything properly ensured.  By contacting Kramer Insurance, we can help you review your current policies and give you peace of mind so you can have a safe and happy holiday season. For all of your insurance needs, contact Kramer Insurance at (765) 896-8852 today!