Steiner Insurance Group

1161 Sonoma Park Dr
Suite 200
Norman, OK 73071

Get Directions

Why Bother with Commercial Insurance?

While owning a business in Nashville, NC is exciting, you have to contend with uncertainties lurking in the business environment. However, acquiring proper commercial insurance from Steiner Insurance Group agents will ease the operation of your business and protect against numerous perils. 

Commercial insurance is designed to help businesses stay protected against imminent perils that may jeopardize their success. Unfortunately, some business owners chose to overlook commercial insurance for their business. This trend is catastrophic since one blow can wipe out your business finances. That said, here are the reasons you need to think about commercial insurance. 

For compliance

If you have three or more employees in your business, you must carry workers comp coverage in North Carolina. Additionally, all business-owned vehicles must be covered by commercial auto insurance. Failure to buy the minimum-required commercial insurance exposes your business to non-compliance penalties. 

Protection of workers

If your employees get injured or sick while working on your premises, workers’ comp helps cover medical expenses. Besides, this policy covers employees’ funeral costs and partial loss of income.

Protection of assets

Damage to the business property can trigger devastating impacts on your business’s ability to function properly and sometimes result in a shutdown. As such, it’s paramount to protect your business against perils like vandalism and fire with commercial property insurance.

Liability protection

General liability coverage covers versatile situations, including a client’s injuries while on your business premises. Besides, it covers property damage and advertising injury claims from third parties. 

Saves money

Getting outstanding commercial insurance salvages you from paying out-of-pocket when unexpected eventualities like liabilities, injuries and damages on your business property strike. This way, you operate your business without fear of indulging in adverse financial impacts.

Having commercial insurance is a cornerstone for any business in Nashville, NC. If you have any queries regarding the procurement of splendid commercial insurance, call or visit us at Steiner Insurance Group.

Why should someone in North Carolina get a classic car insurance plan?

Those that are in the Nashville, NC area and love cars will likely dream of owning a classic car. A classic vehicle is not only a fun vehicle to drive and show off, but it can also be a good investment that will grow in value. As you are looking for a classic car, you also need to choose a quality insurance plan. There are a few reasons why someone here should get classic car insurance.

Protect Value of Vehicle

One of the advantages of having a classic car insurance plan is that it can protect the value of your vehicle. If you are going to invest in a classic car, it is an asset that could appreciate in value. This differs from most other vehicles that typically decline in value. With a classic car insurance plan, you and the insurance provider will negotiate a fair replacement value that will be based on the collectible value of the car. 

Offers Liability Protection

No matter what type of vehicle you want to drive in North Carolina, you will be required to carry liability insurance. With a classic car, you will likely drive the vehicle sparingly throughout the year and insurance term. As your actual liability risk is lower due to reduced annual mileage, you will receive an insurance plan and premium that reflects this. 

Choosing a classic car insurance plan in the Nashville, NC area is always a big decision. If you are looking for classic car coverage here, it would be wise to call the Steiner Insurance Group. When you do call the Steiner Insurance Group, you can learn a lot about your insurance options. You can then choose a plan that will provide you with coverage that is ideal for your situation. 

Insurance tips for RV enthusiasts

As the weather warms up, many RV enthusiasts in the Nashville, NC area are anxious to get out on the road! The team at Steiner Insurance Group is helping our clients prepare by providing the information necessary to select the right RV insurance policy. RV coverage is an important aspect of owning such a vehicle, and your coverage must suit your needs. If it’s time to review your policy or look for initial coverage, call or stop by today!

All RV coverage is not the same!

Several different factors can determine which type of RV insurance is the right fit. For example, do you store and use your vehicle at home, or do you only use it for road travel? Additionally, people who park their RV in a campground or park for use may have different needs. Anyone who entertains friends or family in their vehicle will want to review their liability coverage to ensure it is adequate.

From the few examples above, it is likely that not every policy will be a good fit for every situation. Thus, it is important to understand the policy features and benefits that are available to RV owners in the state of North Carolina. Having incomplete coverage can create several different problems if a covered event happens. Don’t find out after it’s too late that your RV policy is not suitable for your needs!

We are here to answer your RV insurance questions

Steiner Insurance Group is proud to serve our friends and neighbors in the beautiful Nashville, NC community. If you have questions or concerns about RV insurance and which policy is right for you, call or stop by our office today!

What does motorcycle insurance cover?

You love the feeling of freedom when riding your motorcycle. But with pleasure comes responsibility. In Nashville, NC, motorcycle and scooter owners are required to carry liability insurance. But, what can you reasonably expect the insurance policy to cover in case of an accident? Steiner Insurance Group explains the different types of coverage included in your policy.

Liability coverage

The liability coverage refers to the amount you are legally obliged to pay for another person’s injuries and property damage. The liability cover extends to your family members or other persons using your motorcycle with permission.

Medical payment coverage

If you or your family members are injured in the accident while riding your insured motorcycle, the policy will pay for any medical or funeral expenses resulting from the accident, including the medical care and rehabilitation costs needed to return you to health. The policy will pay for each injured individual up to the listed coverage limits.

Collision coverage and other than collision coverage

Collision coverage will pay for physical damage that occurred during the accident. It usually refers to the damage caused by the impact of another vehicle or object.  Other than collision coverage pays for damages caused by falling objects, fire, theft, hail, or animals.

Uninsured/underinsured motorist coverage.

Uninsured and underinsured coverage protects you when someone else causes the accident. If the guilty party does not have insurance or has a very small coverage limit, your policy helps you recover your own insurance shortfall. The coverage extends to both medical bills and costs of repairs to your motorcycle.

Life is unpredictable, so prepare to take care of your family and your property by talking to Steiner Insurance Group experts in Nashville, NC.

Umbrella Insurance for Oklahoma

Umbrella insurance refers to liability insurance coverage that is in addition to the liability insurance that you currently have on your home, automobile, or boat. Umbrella insurance is important to have in the event of a catastrophic liability claim or a massive liability judgment against you due to an accident or incident where you are found to be at fault. This type of additional liability insurance becomes activated when the limits on all of your other liability policies have been maxed out. Read on to learn more about the umbrella insurance policy options available to you from Steiner Insurance Group in Norman, OK.   

What Umbrella Insurance Does and Does Not Cover?

Umbrella insurance typically covers you and your family from incidents involving personal injury to others, bodily injury to others, damage to the property of others, and landlord liability.

It can also help pay for a judgment against you for slander or libel and false imprisonment.

Umbrella insurance does not typically cover your personal belongings, losses sustained by your business, your acts that are found to be criminal, or any oral or written contracts with others that you may have. 

Who Should Get Umbrella Insurance?

Certain risk factors increase your necessity of needing umbrella insurance. These include:

  • Being a landlord and renting out your property to others
  • Having household staff who work in your home
  • Having a swimming pool
  • Having a hot tub
  • Having a trampoline
  • Owning a dog
  • Having an insured driver who is a teenager
  • Holding large parties

Typical Umbrella Insurance Policy Limits

Umbrella Insurance policy limits are usually between $1,000,000.00 and $5,000,000.00.    

Contact Us                                   

Call Steiner Insurance Group today at 405-329-9780 or contact us at www.steinerig.com for a free Umbrella Insurance quote. Steiner Insurance Group serves both Norman, OK, and the surrounding Cleveland County, Oklahoma area.

 

 

What Is a Whole Life Insurance Policy?

One of the main types of life insurance is the whole life insurance policy. This type works much differently than a term life policy. If you are interested in life insurance to protect the financial future of you and your family, call us at Steiner Insurance Group in Nashville, NC to make an appointment with an agent. 

Your Whole Life

The name of this policy type describes why it is such a popular option for life insurance. Once you start this type of policy and keep making your payments as agreed upon, the policy is in effect for the rest of your life. No matter your age, the insurance company can’t cancel this policy as long as you are paying your premiums. With some other types of life insurance, the insurance may expire at a certain age and then require you to get another policy that costs more because you’ve gotten older. With whole life, you never have to worry about this. 

Building a Cash Value

A whole life policy comes with a cash value that is built up over the years. It is a portion of the profit from the policy that the insurance company has earned. With this cash value in place, you can borrow against it when you need to. Many people use this option when they have an emergency financial situation and need fast cash. The amount that you borrow is deducted from the policy’s death benefit until the loan is paid back. 

If you want to know more about these policies and are in the Nashville, NC area, call Steiner Insurance Group. Schedule an appointment to talk about how much life insurance you and your family need. 

 

Is Auto Coverage Required in North Carolina?

Auto insurance is designed to protect you against the injuries and property damage that auto crashes can cause. Although auto liability insurance is the only coverage required in North Carolina by law, that doesn’t mean you don’t need the protection that additional auto insurance coverage can provide. Here’s the protection that a well-rounded auto insurance policy from Steiner Insurance Group has to offer:

  • Collision – If you collide with another vehicle or run off the road and hit a tree, fence, or telephone pole, collision coverage helps pay for your vehicle repair costs. Depending on your accident’s severity, this could save you a substantial amount of money out of pocket.
  • Comprehensive – Vehicle theft isn’t uncommon in North Carolina, putting Nashville, NC car owners at risk of being a target. Comprehensive insurance protects you against vehicle theft by compensating you for its market value. It also pays for damage to your vehicle from non-collision causes such as bad weather, vandalism, and falling objects.
  • Uninsured Motorist – This insurance pays for your vehicle repairs if you’re hit by a driver who has no insurance or insufficient insurance to cover the cost of your damages. It also protects you from hit and run drivers.
  • Roadside Assistance – If you’ve ever had your car falter in the middle of nowhere, you’ll appreciate the protection that roadside assistance has to offer. Roadside assist covers the cost of towing your vehicle to a repair shop, so you’re not left stranded on your own.
  • Liability – North Carolina requires that you carry minimum liability coverage to protect others in accidents you cause. If your vehicle is registered in the state, your coverage must come from a licensed North Carolina insurance provider.

To get a quote for auto coverage in Nashville, NC, contact your Steiner Insurance Group agent today.

How can commercial insurance protect my business?

Owning a small business is a dream and goal that a lot of people share. When you are looking to start your own business in the Tusla or Norman, OK area, it is vital that you protect it as well as you can. One of the best ways to protect a business is by getting a full commercial insurance policy. This type of insurance offers several forms of coverage that could prove valuable for your company.

Protects Against Liability Risk

One way that your business can be protected is by providing you with protection against liability risk. Anyone that offers a service or product to a customer will routinely take on liability risk. If you are deemed liable for a bad accident, you could be facing serious settlement costs. Fortunately, with commercial insurance, you can receive protection against this risk.

Protects Business Assets

Another reason that you should get commercial insurance is that it can protect your business assets. A business owner is going to have to invest some capital to build inventory and buy other assets. When you get the right insurance in place, you can protect these assets. With insurance, you will be covered for costs needed to repair or replace these assets following damage or theft. 

As you are looking for a commercial insurance policy in the Tulsa or Norman, OK area, it is important that you receive guidance and support from someone that is experienced and truly understands this unique form of insurance. The team at the Steiner Insurance Group can offer you the support that is needed to choose the right policy for your situation. The Steiner Insurance Group is able to do this by carefully assessing all of your needs and helping you build a policy that is curtailed to your necessities. 

Getting your home ready for fall

It seems like yesterday it was beach time, and now the leaves are starting to change, and it is time to get your home ready for fall. At the end of summer, the seasonal decorations and the inflatable pool are packed away for another year, and it’s time to get ready for autumn. Bring out the scarecrow and the mums for your front yard but getting your home ready for fall involves a lot more than that. At Steiner Insurance Group in Norman, OK, we want to help you to make sure that your home is safe for fall, and we have a few tips to get you there. 

Start at the top

Fall is the right time to get your chimney cleaned. Dirty chimneys are a fire hazard, and if you plan on using your fireplace, make sure you do it safely. Your roof has a lot to deal with during the fall, with strong winds and rain. Ensure that your flashing is in good condition and you don’t have any missing or damaged shingles. 

Windows and doors

A lot of heat is lost from ill-fitting windows and doors. A little caulk and weather stripping helps seal up any leaks that you may have.  

Check the batteries

As the weather starts to cool down, people start spending more time inside. It’s the perfect time to check the batteries in your fire detectors and your carbon monoxide detector. 

Furnace cleaning time

Nothing is worse than getting that first fall cold snap, turning up your heat, and nothing happens. Your furnace needs to be cleaned and service yearly, and doing it before you need to use it will save you from being cold and paying for an emergency visit from your HVAC people. 

When it comes to getting your home ready for fall, we have given you plenty to work with. If it’s time to get your home insurance reevaluated, give Steiner Insurance Group in Norman, OK a call to set up an appointment for a free quote. 

Who needs classic car insurance in Nashville?

Anyone in the Nashville, NC area and loves cars will dream of owning a classic car. If you are a classic car owner, you will want to ensure that your prized asset is adequately covered and protected at all times. A great way that you can do this is by getting a full classic car insurance policy. 

Those that Want to Protect the Value

One situation when someone may need to have classic car insurance coverage is when they want to protect the value of the vehicle. A classic car is a unique type of vehicle because it can appreciate as time goes by. Due to this, you will want to make sure that the value is covered correctly. With a classic car policy, you can receive the protection you need to cover the collectible value and protect your investment.

Those that Want Reduced Liability Risk Policy

You should also get a classic car insurance policy if you want to take advantage of the reduced liability risk. The typical classic car owner is not going to drive a vehicle as frequently as they would drive a normal car. Due to this, your actual liability risk is much lower. When you get a specialized classic car policy, it will ensure that your premiums reflect this reduced risk.

There are many reasons to get a classic car policy if you are in the Nashville, NC area. Those in this area of Tennessee will want to make sure that they fully understand their options. When you are looking for a new policy for your classic car, you should call the team at Steiner Insurance Group. The insurance team at Steiner Insurance Group can provide you with the necessary coverage to protect your vehicle. 

Partner Carriers


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