Acknowledging Workers’ Compensation in Your Commercial Insurance Package Now

Posted on November 27, 2024November 27, 2024 by admin

At Johnson Insurance Agency, located in Lacey, WA, we understand that your employees are the backbone of your business. That’s why we believe it’s crucial for businesses to understand the importance of workers’ compensation in their commercial insurance package.

Defining Workers’ Compensation Insurance

Workers’ compensation insurance is a type of policy that provides wage replacement and medical benefits to employees injured in the course of employment. This insurance is essential because it protects a business from legal complications while also ensuring that injured workers get the medical care they need.

The Role of Workers’ Compensation Insurance in Risk Management

Workers’ compensation insurance is not just a legal requirement in many states, including Washington; it’s also a crucial part of your risk management strategy. Without it, your business could be exposed to costly lawsuits and medical expenses if an employee gets injured or becomes ill because of their job. Moreover, it shows your employees that you care about their wellbeing, which can boost morale and productivity.

Understanding Workers’ Compensation Insurance in Lacey, WA

At Johnson Insurance Agency, we specialize in providing comprehensive commercial insurance packages that include workers’ compensation insurance. We understand the unique needs of businesses in Lacey, WA, and we’re here to help you protect your most valuable asset: your employees.

The Value of Workers’ Compensation in Your Commercial Insurance Package

Understanding the importance of workers’ compensation in your commercial insurance package is crucial for the success and longevity of your business. At Johnson Insurance Agency in Lacey, WA, we’re committed to helping you navigate the complexities of commercial insurance so you can focus on what you do best: running your business.

Understanding the Coverage of Valuables under Home Insurance in Lacey, WA

Posted on October 29, 2024October 29, 2024 by admin

When it comes to protecting your home and belongings, home insurance is a must. But what about those special items, the valuables that hold not just monetary value but sentimental value as well? Here at Johnson Insurance Agency, located in Lacey, WA, we understand the importance of ensuring your valuables are adequately covered.

What Does Home Insurance Cover?

Typically, a standard home insurance policy in Lacey, WA, covers the structure of your home, personal belongings, liability protection, and additional living expenses. However, there may be limits on the coverage for high-value items such as jewelry, artwork, antiques, and collectibles.

Valuable Items Coverage

Most home insurance policies have a certain limit for valuable items. If the value of an item exceeds this limit, you may need to purchase additional coverage, known as a rider or floater. This ensures that your valuable items are fully covered in case of theft, loss, or damage.

Getting Your Valuables Appraised

Before adding a rider to your policy, it’s important to have your valuables appraised. This will determine the current market value of the item and ensure you have enough coverage. Remember, the value of certain items like antiques and artwork can fluctuate over time, so regular appraisals are recommended.

At Johnson Insurance Agency in Lacey, WA, we’re here to help you understand your home insurance policy and ensure your valuables are adequately protected. Contact us today to learn more about our home insurance policies and how we can help protect your valuable items.

The Importance of Early Preparation: Why Sign Up for Flood Insurance?

Posted on September 23, 2024September 20, 2024 by admin

Living in Lacey, WA, the last thing you might worry about is a flood. However, it’s important to prepare for the unexpected. Acquiring flood insurance through Johnson Insurance Agency can give you peace of mind, no matter what Mother Nature throws your way.

Why Flood Insurance is Important in Lacey?

Flood insurance isn’t always at the forefront of a homeowner’s mind in Lacey. However, it is a crucial form of protection since regular homeowner’s insurance does not cover damage due to flooding. With climate change and unpredictable weather patterns, the likelihood of flooding has also increased, making flood insurance more important now than ever before.

Johnson Insurance Agency’s Role in Helping You Prepare

At Johnson Insurance Agency, your peace of mind is our priority. We offer a comprehensive guide, assisting our clients in gaining a full understanding of their flood insurance policy and how it can help them in times of crises.

Our team of professionals at Johnson Insurance Agency in Lacey, WA, makes the process of getting flood insurance easy and stress-free. We walk you through the details of your coverage, breaking down complex insurance jargon into understandable terms. After all, knowledge is power, particularly when it comes to being prepared for unforeseeable events like floods.

Get Flood Insurance in Lacey, WA!

Flood insurance is a critical component of safeguarding your most precious investment – your home. Early preparation is key to surviving any unforeseen disaster. Connect with us at Johnson Insurance Agency today, and let us make your journey to obtaining flood insurance in Lacey, WA, a seamless one.

Condo Insurance vs. Home Owners Insurance: What’s the Difference?

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

When it comes to insuring your home in Lacey, WA, understanding the difference between condo insurance and homeowners insurance is paramount. This is especially true if you own a condominium unit. The Johnson Insurance Agency recognizes the importance of knowing what your policy covers in order to protect your investment. In this article, we’ll dissect the main differences between these two types of insurance.

What is Homeowners Insurance?

Homeowners insurance is a type of property insurance that covers damages to the home, its contents, and any personal possessions inside it. Furthermore, it provides liability coverage against accidents that may happen at the home or by the homeowner within the policy territory.

What is Condo Insurance?

Condo insurance, on the other hand, is designed specifically for condominium owners. The policy provides coverage for the interior of the condominium unit and personal property within. Additionally, it provides liability protection for the owner.

The Main Differences

Extent of Coverage: Homeowners insurance generally covers the entire property; including the house, garage, and other related structures. Condo insurance only covers the interior space of the condo unit.
Hazard Coverage: While both policies provide protection from common risks such as fire, windstorms, or theft, condo insurance may not cover some hazards that a homeowner’s policy does. It’s important to check with your Johnson Insurance Agency agent for specifics.
Association Fees: Condo owners in Lacey, WA often pay homeowners association (HOA) fees, which can sometimes cover parts of insurance. This can mean less personal insurance is needed, unlike a standalone home.

In summary, condominium owners need to consider a different variety of factors compared to homeowners. Understanding these differences can assure you are adequately covered. The team at Johnson Insurance Agency in Lacey, WA is always ready to guide you through the intricacies of condo insurance and homeowners insurance to determine the best coverage for you.

The Importance of Life Insurance in Estate Planning

Posted on July 19, 2024July 5, 2024 by admin

Life insurance can play a critical role in your estate planning, particularly if you live in Lacey, WA. Here’s why it’s worth considering.

Secure Financial Future

First and foremost, life insurance provides financial security for your family. The death benefit can replace your income, helping your loved ones meet their financial obligations in your absence. Whether it’s paying for daily expenses or funding your child’s future education, a life insurance policy can help ensure your family’s future.

Estate Taxes

Secondly, life insurance can be used to cover estate taxes. Often, when an individual passes away, their heirs are left to pay the state and federal estate taxes. Life insurance policy proceeds can provide a source of cash to pay these taxes without selling off assets.

Giving to Charity

Beyond just providing for family, life insurance can also be a great tool to leave a significant legacy to your favorite charities. By naming a charity as a beneficiary of your life insurance policy, you can make a larger gift than you might have thought possible.

Equalizing Inheritances

If you have a mixture of liquid and illiquid assets (like a family business), life insurance can help you ‘balance’ inheritances among your heirs. It may not be feasible to split certain assets equally, but a life insurance policy can help make up the value difference.

For those in Lacey, WA, considering life insurance as part of their estate planning, it’s important to discuss your specific needs and goals with a knowledgeable insurance agent, such as those at Johnson Insurance Agency, to ensure you have the protection you need.

How Auto Insurance Can Help In Case of Natural Disasters in Lacey, WA

Posted on June 24, 2024June 24, 2024 by admin

Living in Lacey, WA, we all appreciate the beauty of our natural surroundings. However, we also understand the unpredictability of Mother Nature. Whether it’s a hailstorm, windstorm, or a flood, these natural disasters can cause damaging effects to your vehicle. This is where the importance of auto insurance comes in.

Protection Against Natural Disasters

While it’s true that a basic auto insurance policy will shield you from the financial consequences of car accidents, what many don’t realize is that the comprehensive coverage within your auto insurance policy offers protection against damage caused by natural disasters. This form of coverage pays for all non-collision related damages to your vehicle, ensuring that you are covered even in the eye of the storm.

Selecting the Right Coverage

Different insurance policies cover different types of natural disasters. For instance, while some policies might cover hail damage, others might not. Therefore, it’s essential to review your policy and understand what’s covered. If your existing auto insurance doesn’t provide the protection you need, consider expanding your coverage.

How to File a Claim

Report the incident to your insurance company as soon as it’s safe to do so.
Document the damage with photos or videos for evidence.
Store the receipts of any related expenses, like immediate repairs or towing services.

Working with a reputable insurance agency can offer you peace of mind knowing that you can lean on your auto insurance to recover from unexpected damages caused by natural disasters. At Johnson Insurance Agency in Lacey, WA, we are committed to helping you find the perfect policy to protect your vehicle from life’s unpredictable events. Reach out to us to discuss your auto insurance needs today.

Commercial insurance that most businesses can benefit from

Posted on May 27, 2024May 14, 2024 by admin

When you own a business, you face many different types of risk. Commercial insurance can help you to mitigate some of the risks your business faces. At Johnson Insurance Agency in Lacey, WA, we take the needs of our clients seriously. That means sharing our extensive knowledge of commercial insurance.

Commercial property insurance

Commercial property insurance is something that any business can benefit from. You may think that, as a renter, it’s not for you, but that is incorrect. Commercial property insurance covers not just the building; it also covers all the things you use to do business. For a store, this is display units, inventory, cash register, etc. For a machine shop it is raw materials, finished products, machines, tools, office equipment, and more.

Commercial liability insurance

The most significant risk that most businesses face is being sued; unfortunately, it is all too common. A judgment against you could drain your business’s financial resources if you don’t have commercial liability insurance. Legal fees might just be enough to damage your prospects.

Commercial auto insurance

If your business uses a vehicle, it should have commercial auto insurance coverage. Your personal auto insurance doesn’t cover your vehicle for business use, and that leaves you vulnerable.

Workers Compensation

Workers compensation is a required form of insurance in the state of Washington. It must be purchased from the State Fund. Even if you only have one employee, this is a requirement. This protects your employees and also protects you.

Business interruption insurance

Business interruption insurance provides the funds you need to pay your expenses while your business is unable to operate.

At Johnson Insurance Agency in Lacey, WA, we will make sure that we provide the type of commercial insurance that you need to keep your business safe.

Protect Your House and Your Home

Posted on April 15, 2024April 2, 2024 by admin

Homeowners in and around Lacey, WA appreciate the value of home insurance, even beyond the dollars and cents. At the Johnson Insurance Agency, we also understand that home insurance is as much about protecting your home as it is about insuring a house. And that is one reason people turn to the Johnson Insurance Agency for the protection and peace of mind that home insurance offers.

More than Insurance for a House

Yes, a fallen tree can cause massive damage to a home. These can be pricey fixes, from repairing or replacing a roof to needing replacement windows and remodeling services.

Yes, flooding and storms can wreak havoc, and even liability concerns can be alleviated with the proper protection for your house. Still, home insurance is about much more than paying bills for repairs and restoration.

If you have ever "gone back home" to see the house you grew up in, you have undoubtedly felt a nostalgic tug at your heart. If you have ever been on vacation for more than a week, you have almost certainly experienced the unmistakable comfort and subtle joy of being back—"home."

And that is the unsung benefit of home insurance: It isn’t as much about protecting a house as it is protecting the place we call home. When it comes to home insurance, we help protect your house, your home, and the things that matter most to you.

Contact The Johnson Insurance Agency

Welcome to the Johnson Insurance Agency, where Lacey, WA residents go for home insurance solutions for all their needs. Contact us to learn more or schedule an appointment today to get the protection and insurance your house and home deserve.

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