Steiner Insurance Group

2413 Wilcox Dr
Norman, OK 73069

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What type of Commercial Insurance Do I Need for my Business?

Businesses have different financial needs than individuals, which extend to their insurance needs. At Steiner Insurance Group in Nashville, NC, we offer commercial insurance.

Commercial Property Insurance

You’ll need commercial property insurance if you own a physical building associated with your business, such as a store, office, or manufacturing center. A commercial property policy covers the building and any business property or equipment within the building. However, it’s essential to understand that commercial property insurance does not include liability coverage.

General Liability Insurance

General liability insurance protects you from liability if someone is injured on your business property. It also covers damage to someone else’s property or belongings while at your business.

Business Owner’s Policy

A business owner’s policy, also known as BOP, combines general liability and commercial property insurance.

Professional Liability

While general liability covers people who are at your business, it doesn’t cover liability related to your products or services. For instance, if you are a mechanic and make a mistake that breaks a customer’s engine, professional liability will cover the repair cost.

Product Liability is another form of professional liability coverage. It covers damages caused by a faulty product created by your business.

Commercial Auto Insurance

You’ll need a commercial auto policy if you use a vehicle for business purposes, such as transporting customers, goods, or equipment.

A commercial auto policy also covers any legal driver, allowing employees to drive the company vehicle as well safely.

Commercial Insurance at Steiner Insurance Group

Contact Steiner Insurance Group if you need commercial insurance in Nashville, NC. We provide business insurance to meet the needs of businesses of all sizes. Our friendly agents will help you select the right policies for your business.

How to Know Whether to Choose Classic Car Insurance or Traditional Car Insurance.

If you’d like to learn more about classic car insurance and how to best protect your investment, we encourage you to contact Steiner Insurance Group today. Our agents work closely with you to find out which policies best meet your needs. We proudly serve Nashville, NC, and the surrounding area. Let us help you determine if classic car insurance is the right choice for your vehicle. 

Classic Car Insurance Protection

When choosing between classic car insurance and conventional auto insurance, one has to determine the automobile’s market demand, rarity, and value. This type of insurance typically covers cars that are deemed vintage, collector, or antique and are at least 25 years old or older and have increased in value over the years. They usually have special policy terms that can consider the owner’s needs other than just typical coverage. These terms include agreed value coverage, parts insurance coverage, and low mileage packages. 
However, daily driver types of cars that are used for frequent purposes would do best with traditional auto insurance. This type will suit perfectly any average driver of a vehicle who does daily shopping or goes to the market very often. Still, it is inappropriate for those who use their car for exhibitions or parades and cover less than 3,000 miles a year. Unlike classic car insurance, which covers vehicles driven for everyday use such as commuting and errands, collector car insurance caters to the needs of collectible vehicle owners. It provides for standard liability, collision coverage, and comprehensive coverage. To identify the right one, consider whether your vehicle is valuable and over 25 years old. Also, the market value of the car should be considered. Classic car insurance policies might be ideal if you only have a rare, beautiful car driven occasionally. 

Classic Car Insurance Near Nashville, NC

Classic car insurance is a must for valuable, well-maintained vehicles. If you want to learn more about how classic car insurance can provide you with the protection you need for your cherished classic vehicle, we are waiting to assist you. Steiner Insurance Group, serving Nashville, NC, is here to provide top-notch service. Call or stop by today to speak with one of our agents. 

Digital Nomad Retreats: Insurance Considerations for Remote Work and RV Travel

Digital nomad retreats offer a unique opportunity to work in diverse settings while networking with like-minded individuals, especially in the Nashville, NC vicinity. However, it is essential to navigate insurance considerations to ensure a safe and enjoyable experience during these retreats, particularly for RV users.

Health Insurance Coverage

Health insurance coverage is the first insurance consideration for digital nomads while on retreats. Nomads must ensure their health insurance plan covers all medical emergencies and expenses that might arise while traveling.

RV Insurance

RV insurance is a must for digital nomads who travel in recreational vehicles. Such insurance typically covers vehicle damage, personal belongings, and liabilities stemming from accidents or property damage. Digital nomads must reassess their RV insurance policies to confirm they provide ample coverage for their needs and travel plans.

Liability Insurance

Liability insurance becomes pivotal for digital nomads hosting events or activities during retreats. Liability insurance covers legal expenses related to accidents, injuries, or property damage for which the host may be held responsible. Being equipped with liability insurance can protect nomads and their assets against potential lawsuits or claims.

Remote Work Insurance

As remote work becomes ubiquitous, insurance options catering to remote workers are on the rise. These may cover equipment, cybersecurity breaches, and professional responsibilities associated with remote work. Nomads must reassess their existing insurance policies to confirm they provide enough coverage for remote work or determine if they need additional protection for work-related activities while on the move.

Contact Steiner Insurance Group for More Information

Steiner Insurance Group is here to answer any RV insurance queries and provide RV insurance services in the Nashville, NC, region. Contact us today.

Motorcycle Safety Tips

Motorcyclists have a reputation for being rebellious renegades. However, they must follow some rules for their own good and for the good of others. Follow these tips and keep yourself safe on your motorcycle. Keeping your insurance premiums low will be a bonus! 

Dress Right

Black leather doesn’t just look cool, it can prevent the asphalt from being a cheese grater against your body. If it’s hot out, there is ventilated motorcycle wear you can use. A DOT-approved helmet is a must, as are goggles if you have an open-faced helmet. 

Know Your Limits

Your bike and route should suit you and your driving skills. When you sit on your bike, you should be able to rest your feet flat on the ground. The handlebars and controls should be easy to reach. If you ride with a group, don’t feel pressured to keep up. Stay at your comfort level. 

Keep the Bike in Good Order

Always ensure your tire pressure, mirrors, and lights are at an optimum level. Walk around your bike occasionally to ensure there are no loose bolts, leaks, or other hazards. Keep up with regular maintenance. Take care of your bike, and it will take care of you. 

Pay Attention

When you are driving your motorcycle, keep your mind on the road. Watch for any changes in the terrain and obey all signs and signals. Do not drive if your mind has been altered in any way. 

Contact Steiner Insurance Group Serving Nashville, NC

If you need motorcycle insurance and are in the Nashville, NC, area, please get in touch with Steiner Insurance Group. We are here to help. 

Do you need to be wealthy to need umbrella insurance?

People who understand what umbrella insurance is and does know that wealth isn’t required for umbrella insurance. At Steiner Insurance Group in Nashville, NC, we are an independent agency with the answers you need to make an educated decision. We provide more choices from the multiple carriers that we can offer to our customers. 

The name umbrella insurance describes how the insurance protects you. Think of umbrella insurance as a natural umbrella, and you are your assets. As your umbrella protects you from the rain, your umbrella policy protects you from the perils that could damage your financial situation. 

Umbrella insurance is extra liability coverage that you can add to another insurance policy with liability coverage. Umbrella insurance is not a stand-alone policy; it raises the liability limit on your primary policy. Many policies have liability coverage, such as home, auto, boat condo, rental, and motorcycle insurance. 

When there is an accident, and you are responsible, or you or a family member injures someone, there can be a lot of costs involved. Your liability coverage on your primary policy will pay up to its limit, and then the umbrella policy will kick in. It can pay for medical expenses, property damage, legal fees, and a judgment against you. Most umbrella policies begin at around a million dollars. 

No matter what your assets are like, small or large, you can still benefit from an umbrella policy. You don’t have to be wealthy to need umbrella insurance; it protects anyone with any amount of wealth. 

At Steiner Insurance Group in Nashville, NC, we are here to help you decide if umbrella insurance is right for you. Give us a call to make an appointment today. 

Life insurance FAQs

Life insurance is a very personal type of insurance. It is something you do for yourself but for those you love. At Steiner Insurance Group in Nashville, NC, we are here to ensure that you get the right amount of coverage and life insurance. 

When should I review my life insurance?

Your life will change over the years, and when there are significant changes, you need to look at the life insurance coverage you have to ensure it is adequate for this time in your life. Things like marriage, children, and employment change your insurance needs. 

Do I need life insurance beyond what I get at work?

Having your own life insurance over which you have total control is always a good idea. Employment can change, and that affects your coverage. 

Who can I have as a beneficiary?

The choice of beneficiary is up to you. You can choose one or more people, keeping in mind that children may not be able to benefit until they come of age. 

Do I need to get a physical to buy life insurance?

No, but the truth is that you will have fewer choices, and the premiums will be higher if you choose to get a life insurance policy without getting a physical. 

When is the best time to buy life insurance?

Life insurance is at its most affordable and accessible to purchase when you are young and healthy. Of course, that is usually when you feel you have the least need for it. Still, this is an excellent time to dip your toes into the water and at least get a small whole insurance policy. 

In Nashville, NC, our team at Steiner Insurance Group can help with any life insurance questions you may have. As independent insurance agents, we can offer you various life insurance options. 

Is Your Car a Classic?

You have a budding car collection but aren’t sure if your vehicles qualify for classic car insurance. That’s an understandable situation that our team at Steiner Insurance Group can help you understand. We can help Nashville, NC residents know whether their cars are genuinely classic or not.

Traits of a Classic Car

A classic car is any vehicle at least 25 years old, adequately maintained, and in great running condition. It may also refer to vehicles with a specific design, such as sports or muscle cars, that produce a unique and appealing look. Often, classic cars are no longer produced. 

That rarity makes classic cars more valuable, and their insurance focuses on their unique status. It includes things like damage protection, delivery costs (if you take your vehicle to car shows), and even replacement protection that covers the vehicle’s actual cost to keep your investment safe.

Elements of an Antique Vehicle 

You might hear the terms “classic” and “antique” used pretty interchangeably. However, they’re not quite the same thing in the car world. As we mentioned previously, a classic car is at least 25 years old and might be in excellent condition or even run regularly by its owners.

By contrast, antique vehicles are older than 45 years old and probably rarely, if ever, get run. That means they require a slightly different kind of insurance suited to their specific needs. Make sure you talk with your insurance provider to learn which option is right for you.

We Can Help You

At Steiner Insurance Group, our team of professionals can help Nashville, NC, car collectors find policies that work for them. Classic car insurance is an important step that can keep your vehicle protected and minimize potential damage, ensuring it stays safe for years.

Three rules to follow when you buy RV insurance in North Carolina

Insuring your RV in Nashville, NC is essential. Steiner Insurance Group offers RV insurance coverage that can protect you financially when you’re on the road.

Consumers should follow a few important rules when they buy RV insurance in North Carolina. Here are three important RV insurance rules to follow. 

Be aware of which safety features your RV has

You’ll want to ensure your insurance provider knows about any safety features your RV has. A safer RV is normally more accessible and less expensive to insure. That’s why you should be aware of all of your RV’s safety features when you’re on the market for insurance. 

Know what exclusions apply to your RV insurance policy

A standard RV insurance policy won’t cover you in all situations. You need to realize that you might not be covered for flood damage or theft damage depending on the details of your policy.

Knowing about any exclusions that apply to your policy helps save you from unpleasant surprises when you have to file claims. 

Speak with an agent before buying RV insurance from an insurance provider

Buying RV insurance from an insurance provider before you’ve spoken with an agent in person or over the phone is not typically a good idea. Speaking with an agent allows you to evaluate the customer service that an insurance provider provides before you commit to a policy from that provider. 

Contact us at Steiner Insurance Group to request an RV insurance policy quote. We can help ensure that your RV in Nashville, NC is adequately covered so you can enjoy peace of mind on the road. 

Will motorcycle insurance pay for the damage I caused to my neighbor’s mailbox?

Many motorcyclists enjoy driving the streets and highways of North Carolina. As a result, North Carolina has laws that dictate the legal requirements for motorcyclists and drivers. Both drivers and motorcyclists are required to carry insurance. The Steiner Insurance Group of Nashville, NC is committed to helping motorcyclists understand the laws and get the necessary coverage. An insurance agent can help motorcyclists understand their coverage options.

Is Motorcycle Insurance Required in North Carolina?

Yes. Both drivers and motorcyclists are legally required to carry motorcycle liability insurance that meets the state minimum requirements. The motorcycle laws apply to all motorcycles and motor scooters. Liability coverage should include $30,000 in bodily injury coverage and $60,000 in bodily injury coverage per accident. Motorcyclists are also required to carry $25,000 in property damage coverage. Although motorcyclists are only legally required to carry liability insurance, more insurance could be required in some situations. If you lease your motorcycle or have a motorcycle loan, the lender usually requires full coverage insurance. 

Will motorcycle insurance pay for the damage I caused to my neighbor’s mailbox?

Yes. Typically, property damage is covered by liability insurance. Property damage coverage will also pay for the clean-up/removal of debris from an accident or situation. North Carolina laws require all motorcyclists to carry liability insurance. Liability insurance includes property damage coverage. If you damage your neighbor’s mailbox, your property damage coverage will pay for the repair or replacement of your neighbor’s mailbox. You/your neighbor can file a claim with your insurance company that covers the repair or replacement of the mailbox. If you have questions about motorcycle insurance and the coverage it provides, call us. We’d be happy to help you explore all of your options. 

Liability Coverage Beyond Home and Auto: Unpacking Umbrella Insurance

Home and auto insurance are essential components of financial protection for many individuals and families in the Nashville, NC area. However, there are situations where the liability coverage provided by these standard policies may not be enough. That’s when you need supplemental help from your insurance provider.  

Why Umbrella Insurance Is Valuable 

The reasons are as follows:

  1. Increased Liability Limits: Umbrella insurance significantly boosts your liability coverage. If a claim or lawsuit exceeds the limits of your primary policies, your umbrella policy steps in to cover the excess amount, protecting your assets.
  2. Broader Coverage: Umbrella insurance covers many liability situations that may not be included in your home or auto insurance policies. This includes incidents like slander, libel, false arrest, and more.
  3. Peace of Mind: Knowing that you have an additional layer of protection provides peace of mind. You won’t have to worry as much about a lawsuit or claim depleting your savings or assets.

What Umbrella Insurance Covers

Umbrella insurance provides coverage for various liability situations that pop up unexpectedly, including:

  • Auto Accidents: If you are involved in a severe accident where the damages and injuries exceed your auto insurance limits, your umbrella policy can cover the excess.
  • Home Incidents: If someone is injured on your property and their medical bills exceed your home insurance limits, umbrella insurance can provide additional coverage.
  • Legal Fees: Umbrella insurance covers legal expenses, such as attorney fees and court costs, which quickly add up in the event of a lawsuit.
  • Personal Liability: It protects you from personal liability claims, including those related to defamation, invasion of privacy, or false arrest.

Steiner Insurance Group Can Help You

At Steiner Insurance Group, we can help answer questions concerning umbrella insurance. We serve the Nashville, NC area. Contact us today. 

Partner Carriers

  • american-modern
  • cna
  • encompass
  • foremost
  • hagerty
  • kemper
  • mdow
  • mercury
  • northstar
  • progressive
  • safeco
  • statewide-general
  • travelers