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The Mitchell Agency LLC

4170 Carmichael CT., Ste. A
Montgomery, AL 36106

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Featured Insurance Blog

Does Your Home Business Need Commercial Insurance?

Whether you’re selling handmade creations online or you’re running a small catering business out of your kitchen, it’s important that you protect your hard work. In many cases, commercial insurance for home-based businesses makes sense. At The Mitchell Agency LLC in Alabama, our team is here to help you rest assured that your home business is safely insured. 

Does Homeowner’s Insurance Cover Home-Based Businesses?

The short answer: not usually. 

The longer answer: typically, home insurance does not cover home-based businesses, meaning that it’s smart to take out a commercial insurance policy to protect your business. 

Consider Your Insurance Needs

It’s smart to consider the type of equipment that you need to run your business when working to figure out how much coverage you’ll need. You’ll also want to consider the level of liability coverage you’ll need, especially if you’re in a line of work where there’s a potential for client injury. If you have employees, it’s also important to ensure that you have coverage for workers’ compensation insurance. If you don’t have employees, you may want to consider purchasing disability insurance for yourself, which can help if you become seriously ill or deal with a severe injury. 

We Can Help!

You need to protect your home business, and we’re here to help. At The Mitchell Agency LLC in Alabama, we’re here to work with you to provide you with the coverage that you need. Whether you’re a solo operation or you’re working out of your home with a small team, we’ve got you covered. Reach out to us today to learn more about our commercial insurance policies.

How to Protect Your Home From Damage During the 4th of July

The 4th of July is nearly here, and unfortunately, many house fires happen during the week of this holiday. Here at The Mitchell Agency LLC, serving the states of  Alabama and Georgia, we want to help you minimize the chances of a firework starting a fire near or on your home.

Ways you can protect your home from damage during fireworks:     

Clean Your Gutters

One of the ways that you can protect your home from damage during the 4th of July is to clean your gutters. Fireworks and ashes can land in your gutters, and if there is debris in the gutter, a fire can start. Cleaning your gutters is important to the flow of water through the trough, so completing this task has many benefits in addition to protecting your home from firework damage. 

Attend to Your Landscaping

Another way to protect your home from damage during the 4th of July is to attend to your landscaping. Trim back overgrown trees, remove dead growth from shrubs and bushes, and mow your yard. Dead growth and overgrowth are more likely to catch fire, so by eliminating this, you reduce your risk of a fire. 

Spray Down Your Roof and Mulch

Lastly, take the time to spray down your roof and your mulch prior to the evening. Your roof and mulch retain moisture, which can help prevent them from catching fire if sparks, fireworks, or ash land on them. 

We Are Here To Help

Unfortunately, despite your best efforts, you cannot prevent all types of damage from happening with fireworks during the 4th of July. This is why it is so important to have the right home insurance coverage and the right coverage levels. Here at The Mitchell Agency LLC, serving Alabama and Georgia homeowners, we can help you get the coverage you need. Call us now to get started. 

What Is Wind Coverage Insurance and When May It Be Beneficial?

There are many types of insurance products that you may be familiar with, including auto insurance and home insurance. But, here at The Mitchell Agency LLC, serving the state of Alabama, we have also learned that there are many types of insurance products that customers are not familiar with. One of these products is wind insurance. Read on to learn more about wind coverage insurance and when it may be beneficial for you. 

What Is Wind Coverage Insurance?

Wind coverage insurance is a type of insurance that provides protection against damages caused by windstorms, such as tornadoes, hurricanes, and severe thunderstorms. This type of coverage is not always included in standard home insurance policies, or it may have limitations or exclusions depending on the specifics of the policy. If your policy does not protect against windstorms or there are exclusions related to wind storms, wind coverage insurance may be right for you. 

When May Wind Coverage Insurance Be Beneficial to You? 

Wind coverage insurance may be beneficial in areas that are prone to high winds and severe weather, as it can help cover the cost of repairs or rebuilding in the event of damage. Without proper wind coverage, homeowners may be left with costly repairs or replacement costs, which can be financially devastating.

Reach Out To Us!

Wind coverage insurance may be right for many homeowners who live in Alabama. If you are wondering if wind coverage insurance is right for you, it is important to review your current home insurance policy and find out what is covered and what is excluded. From there, you can determine if this type of insurance is ideal for you.

Here at The Mitchell Agency LLC, we would love to help review your current home insurance policy and help you determine if wind coverage insurance is ideal for you. Reach out to us today to learn more. 

Why your home business needs commercial insurance

Owning a home-based business has become more popular than ever. It allows more flexibility, and you don’t have to own or rent a location for your business. It does require unique commercial insurance, however, to make sure that your home and your business are both protected. At The Mitchell Agency LLC in Alabama, we are here to help with any questions and commercial insurance needs you have. 

Why Commercial Insurance?

Property coverage

Your home itself will be covered by your home insurance. That remains the same. What is different is your content insurance. Your home content insurance covers your personal property, but it won’t cover most of your business property. To make sure that all the property related to your business is covered, you need to have commercial property insurance. It will cover all the things that you use to do business including inventory, raw materials, tools, machines, office equipment, and more. 

Liability coverage

Your home liability coverage protects you from friends and relatives that visit your home and may get injured, but it will not cover anyone who visits your business in your home. For that, you need to have commercial liability insurance. This will help your business if someone gets injured by a product or service you provide or while doing business with you at your home. 

Commercial auto insurance

If you use a vehicle for your business, it is important that you have commercial auto insurance. Your personal auto insurance does not cover the business use of your vehicle. If you have an accident, you will be left to pay any damages if you don’t have the right auto insurance. 

Reach Out To Us

Contact The Mitchell Agency LLC in Alabama to discuss the insurance needs of your home-based business. We are an independent insurance agency, and we work for you, our customers. 

The Top 3 Mistakes to Avoid When Buying Home Insurance

Here at The Mitchell Agency LLC, we help homeowners in Alabama and Georgia get the home insurance protection that they need. Unfortunately, we have seen many people make mistakes when it comes to purchasing insurance, and we want to help individuals avoid those mistakes. 

Here are the three common mistakes that you should be careful to avoid when buying home insurance:

Underinsuring Your Home and Possessions

One of the most common mistakes that individuals make when purchasing a home insurance policy is underinsuring their home or possessions. A professional can help you determine how much your policy should initially be set for. From there, you should regularly review your policy and update it as the value of your home increases or the value of your possessions changes. 

Not Realizing What Is Not Covered

Another common mistake that homeowners make when purchasing home insurance is failing to realize what is excluded from the policy. Items such as earthquakes and flooding due to heavy rain are usually excluded from your policy. Purchasing a separate policy or an add-on policy to cover these events is a must. 

Not Understanding Common Home Insurance Terms

The last common mistake that individuals make is not fully understanding what common home insurance terms mean, and as such, they purchase a home insurance policy that does not fully meet their needs. If you do not understand a term, research it or ask an agent for help to ensure you fully understand what your policy covers and provides.

Don’t Be Without Home Insurance

Knowing that your home and belongings are protected from common perils can take a weight off of your shoulders. Here at The Mitchell Agency LLC, serving residents of Alabama and Georgia, we would love to help answer any questions you may have about home insurance and help you find the best policy for your needs. Get in touch with us now to get started. 

What You Need To Know About Wind Coverage Insurance

Understanding the different types of insurance coverage you need is crucial to your insurance choices. At The Mitchell Agency LLC, we want to help homeowners in Alabama and Georgia make solid insurance decisions. 

What Is Wind Coverage?

Wind coverage, also sometimes called windstorm coverage, is often included in most homeowners’ policies. This is the type of protection that can help to pay for repairs or replacement of your home when there is damage resulting from the wind.

Does Wind Coverage Include Hurricanes?

Hurricane insurance is a special type of insurance coverage that is usually not included in homeowners’ policies. You will need to talk with an insurance representative concerning hurricane insurance if you live in an area that is prone to hurricane risks.

What Does Wind Coverage Include?

This type of insurance will provide compensation for the repair or restoration of your home and items on your property that are damaged or lost during a weather event. You should note that there are specific qualifying criteria for weather events in order for the insurance to kick in. You need to discuss these qualifying factors in depth with your insurance representative to ensure that you are well aware of how this type of coverage works.

What Types of Windstorms Are There?

There are many different types of windstorms that can cause damage to your property. These include:

  • Straight line winds
  • Derechos
  • Tornados
  • Hurricanes
  • Thunderstorms

Contact Us Today

You should keep in mind that wind damage may or may not be accompanied by rain and flooding. Flood insurance is usually a separate type of insurance coverage. If you are interested in learning about flood insurance, you should contact an insurance representative.

If you would like to learn more about our insurance services, please contact us at The Mitchell Agency LLC, serving Georgia and Alabama.

Do I need commercial insurance to sell multiple-level-marketing products?

When it comes to commercial insurance, there are a lot of grey areas. For example, do you need commercial insurance to sell multiple-level-marketing products? Our team of insurance experts at The Mitchell Agency LLC is here to navigate all your commercial insurance questions. 

Need commercial insurance for multiple-level-marketing products?

In short, the answer is no, but there are exceptions.

Let’s take a closer look:

In Alabama and Georgia, if you are an independent contractor selling MLM products, you are not required to have commercial insurance. However, if you have any employees working for you, even if they are only part-time or 1099 contractors, then you must carry workers’ compensation and liability insurance.

Workers’ compensation and liability insurance are both types of commercial insurance policies. A general liability policy protects you from third-party claims of bodily injury, personal injury, libel, or slander resulting from your business interactions, employees, or property.

A workers’ compensation policy safeguards both the employer and employee in case the employee experiences a work-related injury. The employee is protected through compensation, such as medical bill coverage and lost wages, from being unable to work.

When it comes to insurance, there are a lot of grey areas. However, when it comes to whether or not commercial insurance is required to sell MLM products in Alabama and Georgia, the answer is no—as long as you don’t have any employees working for you. If you’re still not sure whether or not you need commercial insurance when selling MLM products, your best bet is to talk to an insurance agent who can assess your specific situation and advise you on the best course of action.

Give Us A Call

In the meantime, if you have any questions about your insurance needs, don’t hesitate to contact us here at the Mitchell Agency LLC. We’re always happy to help!

Does home insurance cover valuables like jewelry and collectible art?

If you have valuables like jewelry, art, or collectibles, you might wonder if your home insurance policy will cover them in the event of loss or damage. The answer is maybe—it all depends on the individual policy. Our team of insurance experts at Mitchell Agency LLC is here to assist with what kinds of valuables are typically covered by home insurance policies in Alabama and Georgia.

Does home insurance cover valuables like jewelry and collectible art?

Home insurance policies typically cover two types of valuables: personal property and scheduled items. Personal property is everything you own that is not attached to your home, like furniture, clothes, electronics, and jewelry. Scheduled items are valuables that are specifically listed in your policy and require a separate premium; these items are usually high-value items like collectibles, art, furs, musical instruments, and silverware. 

If you have expensive jewelry or other valuables, the payout limit of your policy, you may want to consider purchasing a separate insurance policy (called a rider) to cover those items. 

Another thing to remember is that home insurance policies typically have deductibles—the amount you have to pay out of pocket before your insurer kicks in—and some deductibles can be quite high. 

Contact Us Today

If you own valuables like jewelry or art, it’s important to find out if your home insurance policy covers them. Most Georgia and Alabama policies will cover personal property up to a certain limit, but schedule items may need to be added separately. Remember that there may also be limits on how much your insurer will pay out for lost or damaged items, and you may have to pay a deductible before coverage kicks in.

When it comes to protecting your valuables, knowledge is power—so contact the Mitchell Agency LLC to check that everything is covered.

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