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Gill Insurance Advisors

2680 E Main Street, Suite 227
Plainfield, IN 46168

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Changed Jobs! Change My Life Insurance Policy?

Posted on November 25, 2024November 20, 2024 by admin

Changing your job can affect your life insurance policy. For instance, if you were a beat cop for several years, but the precinct decided it’s time for you to take a job behind a desk, you may find that you don’t need quite so much insurance as your job is now less dangerous. If you were an accountant to make ends meet until your motorcycle daredevil career took off, you may find just the opposite happening. If you keep the same occupation but change to a different employer, that can affect your policy. It’s always best to stay informed.

Could I Lose My Benefits?

There are situations where you may lose your life insurance benefits completely. For instance, retirement may cause you to lose coverage. This could also happen if you are fired or laid off. Relocation can leave you uninsured. Some employers will only provide life insurance benefits to employees who work more than thirty hours per week, so getting your hours cut can affect that. And let’s face it, employers can do pretty much whatever they want, including not offering insurance.

How Can I Keep My Benefits?

You may want to look into a convertible plan. A conversion privilege will give you thirty days to apply for an individual plan from the same insurer. This may not exceed the coverage benefit that you carried to start with. Be sure to review state laws. Individual policies or temporary plans may be good ideas to look into.

Contact Gill Insurance Advisors Serving Plainfield, IN

If you are in the Plainfield, IN, area and need insurance advice, please contact Gill Insurance Advisors. We’re always here to help!

What will be covered when getting a commercial insurance plan in Indiana?

Posted on October 21, 2024October 17, 2024 by admin

Being a business owner is a dream many share in the Plainfield, IN area. Many people aspire to be their own boss and have more control over their future. However, there are risks associated with running a business in this part of Indiana. To properly manage your business, getting a commercial insurance plan is necessary. There are many situations that will be covered when you have a commercial insurance plan.

Support for Assets

One type of coverage you will get with a commercial insurance plan is coverage for your assets. Those in this area of Indiana will need to invest in different types of assets for their business. Equipment, inventory, and other assets are necessary to run a company, and ensuring they are protected is very important. When you have a commercial insurance plan, it will offer the support needed to replace or repair such assets when a loss occurs.

Liability Support

All businesses also face various liability risks when they run an organization. If someone is hurt due to the use of your product, you can be held liable. Fortunately, a commercial insurance plan can offer support in these situations. When you are insured, you will have protection against many liability risks, and you can create a policy designed to address your specific business needs.

You should always look for a proper commercial insurance plan when you are in the Plainfield, IN area. If you are looking for a new plan here, call our Gill Insurance Advisors team. Our professionals will give you any support you need to properly assess all options, build a new plan, and protect your business from various risks.

3 Things to Know About Tree Damage to Your Home

Posted on September 30, 2024September 25, 2024 by admin

What to Do if A Tree Falls on Your Home in Plainfield, IN

While no homeowner anticipates a tree falling on their property, knowing what to do if this happens is advantageous. Understanding various aspects, like arranging temporary lodging while the damage is repaired and contacting your home insurance company, is critical. In Plainfield, IN, we at Gill Insurance Advisors are here to assist you.

These three points may guide you through this process.

Document Everything

Keeping a detailed record of everything related to the tree falling on your home is highly beneficial. It creates a comprehensive snapshot of the damage and the subsequent financial implications. Photograph the tree and the damage for future reference during insurance claims. Also, maintain receipts for any emergency repairs, expenses incurred in securing your property, boarding, etc.

Mitigate the Damage

Mitigating the damage entails taking immediate steps to prevent additional issues from occurring. An obvious mitigation measure is covering any roof holes or gaps in the home with tarps to prevent water intrusion. Depending on the area of damage and the positioning of the tree, it might be necessary to enlist professionals for this task.

Obtain Multiple Quotes

The cost of repairing damage will likely be your most significant expense. Soliciting quotes from various contractors ensures that you’re paying a fair price for the work done. Trusted recommendations from friends and family members, coupled with verifying whether the contractors are licensed, insured, and bonded, can protect you as the repair progresses.

How Do Auto and Umbrella Insurance Work Together?

Posted on August 30, 2024August 21, 2024 by admin

Insurance aims to shield against the fiscal implications of unforeseen incidents. While home, auto, and other insurance policies specifically protect against distinct detrimental events, umbrella insurance offers protection against multiple threats to financial stability, namely unexpected legal and court expenses and liabilities surpassing the limits of standard home and auto policies. Our team at Gill Insurance Agency, servicing Plainfield, IN, is on hand to discuss the various ways umbrella insurance can bolster your and your family’s protection.

Safeguarding Your Potential Liabilities

In most accidents or other circumstances rendering an auto insurance policyholder liable for damages, the policy tends to cover the total liabilities. However, certain accidents could lead to debilitating injuries or substantial damage, resulting in liabilities exceeding the insurance company’s payout obligation. Under such conditions, the policyholder assumes the excess liability, risking their assets, savings, and home. This is where umbrella insurance steps in.

A prominent feature of umbrella insurance consists of covering your liabilities that go beyond the limits set by your basic auto or home policy. Given its targeting of "worst-case" scenarios, umbrella insurance is infrequently utilized. Consequently, due to fewer policyholders filing claims, umbrella insurance policies tend to be relatively affordable.

Umbrella insurance induces peace of mind by offering an additional protection layer to ensure that the assets you’ve worked hard to accumulate are safeguarded against unlikely but catastrophic events.

Partnering with Gill Insurance Agency

Umbrella insurance frequently provides ultimate financial security for families and businesses. If you reside in or around Plainfield, IN, and wish to explore umbrella, auto, or other insurance coverage, the Gill Insurance Agency team stands ready to assist. Visit us or call us at (888) 347-8134 today.

Do I Need Life Insurance If I am Single?

Posted on July 30, 2024July 24, 2024 by admin

If you’re a young, upwardly mobile, and single resident of Plainfield, IN, you might wonder: do I need a life insurance policy? The answer is yes. Even though you might not want to think about it, unexpected events can lead to premature death. Gill Insurance Agency can help you make informed decisions about life insurance, even if you are young and healthy.

Protecting Loved Ones From Financial Burdens

When someone passes away, survivors often face expensive funeral costs that they may not be able to afford. Your designated survivor benefit can help pay for those costs and any expenses associated with settling your estate. Having a life insurance policy is also beneficial if you have certain debts, such as a home mortgage or student loans. For example, term life insurance can cover home payments until they are paid off. If family members have co-signed college loans with you, they will become responsible for paying off your loan in the event of your death. Other reasons for single individuals to get life insurance include supporting another family member or running a business with one or more partners. Benefits from a life insurance policy can help support your family member or keep your business afloat.

Getting a Policy While Young

Purchasing a life insurance policy while you’re young and single has a significant benefit: your rates will be lower and more affordable. This is particularly important if you have a family history of serious diseases. In such cases, you may struggle to qualify for a life insurance policy later in life.

Getting life insurance doesn’t have to be challenging. Gill Insurance Agency, serving Plainfield, IN, can explain the different types of policies available and help you select a policy that meets your needs. Contact us today for an appointment.

Using Your Workers Compensation Insurance For Employee Injuries

Posted on June 28, 2024June 26, 2024 by admin

Gill Insurance Agency explains how to utilize your company’s Workers’ Compensation Insurance.

Workers’ compensation insurance is engineered to provide funds for caring for workers injured on the job. It can cover medical care, recovery support services like physical therapy, wages during incapacity to work, and funeral costs. At Gill Insurance Agency in Plainfield, IN, we offer a range of commercial insurance products to protect your business, including workers’ compensation insurance. Here are a few guidelines on leveraging your workers’ compensation insurance coverage.

Workers’ Compensation Insurance Is Mandatory For Most Businesses in Indiana

Occupational injuries are a prevalent issue for businesses. Some sectors, such as transportation, construction, and chemical handling, are more susceptible to worker injuries. Indiana obliges most types of businesses to have workers’ compensation insurance. This ensures that injured workers have access to the care they need without bearing the burden of medical care and recovery services out of their own pockets.

Steps to Take When A Worker Is Injured

If a worker is seriously injured, your first action should be to keep them safe while calling 911 for emergency medical services. Delegate someone to document the injury’s time, date, and circumstances for reporting to the insurance company. The injured party or witnesses should give a statement explaining what caused the injury. Finally, report the injury to your insurance company and fill out the employer’s report.

Choose Gill Insurance Agency As Your Agent for Workers’ Compensation Insurance

Our trained agents in Plainfield, IN, can answer your workers’ compensation insurance questions. They’ll ensure you have the right coverage for your needs. Contact Gill Insurance Agency today for a no-obligation worker compensation insurance quote to safeguard your workforce.

Confide in Gill Insurance Agency as your Agent for Workers’ Compensation Insurance.

Our trained agents can answer any questions you have about workers’ compensation insurance to ensure you have the proper protection. Don’t hesitate to contact the Gill Insurance Agency today for a cost-free quotation to shield your workforce.

What is a video inventory?

Posted on May 29, 2024May 29, 2024 by admin

Like many insurance companies, Gill Insurance Agency encourages our home insurance policyholders to make an inventory list of their personal property. These inventories make it easier to file a claim if you ever need to do so. Video inventories have become popular because they accurately show the state of the Plainfield, IN, property and its contents, but how do you make a video inventory?

Video Inventory Defined

A video inventory consists of a long-form video walk-through of your home that shows it accurately from every angle. You begin at the front door and tour the entire home, exiting through its back door if it features one. This video also features scheduled items, such as your stereo components, to show the condition in which you insured them.

Supplements to a Video Inventory

Your video inventory needs supplemental information. Include a written or typed written list of items you want scheduled for full value coverage in your home policy. It’s also a good idea to include snapshots of each scheduled item. Make two copies of the video and photos or store them digitally. We’ll need one copy if you ever need to file a claim. If your claim involves theft, you’ll need another copy for the police.

Contact Us to Update Your Home Coverage

Contact the agents at Gill Insurance Agency to update your home policy. When many people make a video inventory, they notice items around their Plainfield, IN homes that they want to cover thoroughly.

We can help you add riders, also called scheduling an item, to your home policy. Don’t let your personal belongings go unprotected. Revamp your home insurance to cover your cherished personal items, such as your engagement and wedding rings. Call us today.

A tree fell on my car. Will my auto insurance cover it?

Posted on April 29, 2024April 27, 2024 by admin

Explaining the Benefits of Auto Insurance

Auto insurance offers many benefits that can instill peace of mind in drivers. Essentially, auto insurance is bundled coverage designed to help manage unexpected situations that occur on and off the road. However, the degree of your coverage depends on your auto insurance type. Here at Gill Insurance Agency, we’re committed to helping Plainfield, IN drivers understand the numerous benefits linked to auto insurance.

Is Auto Insurance Mandatory?

As drivers, we have various auto insurance options. Still, every state in the US legally demands liability insurance to operate your vehicle. Please note if you’re seeking an auto loan, you might be required to carry more than just liability coverage.

Liability Insurance Coverage

Liability insurance offers protection and compensation if you cause an accident, damage someone else’s property while driving, or injure someone. However, it does not cover your damages, injuries, or property damage.

Understanding Comprehensive or Collision Coverage

Let’s consider a scenario where a tree falls on your parked vehicle—will your auto insurance cover it? If you only have liability insurance, it would not cover the repairs to your car. Comprehensive or collision coverage would be required to cover damages to your vehicle, personal injuries, or property.

Insurance Requirements and Legalities

While liability coverage is the only legally mandated auto insurance coverage, auto lenders typically require you to carry more comprehensive coverage until your car loan is paid. If you have questions about auto insurance coverage, don’t hesitate to reach out. At Gill Insurance Agency, our team is ready to answer your queries and walk you through the process.

Life Insurance When Your Beneficiary Lives in Another State or Country

Posted on March 29, 2024March 21, 2024 by admin

It should first be established that the state you live in does not typically affect the cost of your policy. However, your location will indeed affect the rules and regulations that include it. Age, gender, and family history might, but not location. Remember that different states will have rules for things such as the free look period, life insurance insolvency, and late payments. Keep in mind that not every type of policy will be available in every state. Individual states might also have restrictive laws regarding who can be named as your policy’s beneficiary. Do your research to determine the laws in your state and the state where your beneficiary lives.

When Your Beneficiary is Living Abroad

It is quite feasible to name a beneficiary on your life insurance if they live in another country. You will need identifiers, though, if they need to be contacted. You must be able to provide their full legal name, birthday, Social Security number (if applicable), and relationship to you, as well as your address, phone number, and email address. Your beneficiary, likewise, needs the name and phone number of the company you are insured with, plus the policy number and coverage amount. If there are any other beneficiaries, they need to know that, too. It may be easier for them to deal with an agent than a corporate office.

Contact Gill Insurance Agency Serving Plainfield, IN

If you need life insurance and live in the Plainfield, IN, area, please get in touch with Gill Insurance Agency. Our courteous and skillful agents are dedicated to helping you find the policy that best suits your needs.

Why Your Commercial Expansion Project May Require Increased Insurance Coverage

Posted on February 28, 2024February 19, 2024 by admin

Expansion Project? Consider Updating Your Commercial Insurance Policy

If you’re expanding your business premises, it might be time to review your commercial insurance coverage. Following the points covered below, and engaging with one of our agents in Plainfield, IN will guarantee your insurance policy is updated to match your business’s growth.

Increased Value of Your Business

Expanding your business inevitably increases the overall value of your commercial building. Given the higher value of materials, additional insurance coverage is essential. During the project’s duration, maintain a record of the materials purchased. Incorporate all the building materials, furnishings, equipment, and other additions into your commercial insurance policy.

Addition of New Job Duties

Once your expansion project is complete, the additional space will likely facilitate more job roles. Consequently, the risk of theft, vandalism, and injury could increase. You should contemplate these risks when seeking additional coverage.

Increased Inventory

Expand your inventory as part of your business growth. Be sure to incorporate all new items stored at your business premises into your policy. Your commercial insurance should provide coverage for these items. If your inventory is damaged or stolen, your insurance policy should cover repair or replacement costs.

Expanding Your Freight Services

If you manage a fleet of vehicles, your drivers might need increased coverage, given the increased demand for your services. Evaluate your existing freight offerings to determine whether more comprehensive coverage is required.

Contact Us for Expert Guidance

Ready to upgrade your commercial insurance policy? Reach out to our representative at Gill Insurance Agency. Our agent will help evaluate your current policy and recommend suitable upgrades to fit your expanded business better.