Why Families Should Consider Umbrella Insurance for Extra Protection Now

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Life is full of surprises, and sometimes those surprises can lead to unexpected financial challenges. For families in Columbus, umbrella insurance offers an extra layer of protection that goes beyond standard policies like home or auto insurance. It’s a smart way to safeguard your assets and future.

What Is Umbrella Insurance?

Umbrella insurance is a type of liability coverage that kicks in when the limits of your other insurance policies are exceeded. For example, if you’re involved in a car accident and the damages surpass your auto insurance coverage, umbrella insurance can help cover the remaining costs. It’s designed to protect you from large claims or lawsuits that could otherwise put your savings at risk.

Why Columbus Families Need Umbrella Insurance

  • Accidents on Your Property: If someone is injured at your home, such as during a backyard barbecue or holiday gathering, umbrella insurance can cover liability claims that exceed your homeowner’s policy.
  • Auto Accidents: Columbus families often rely on their cars for daily commutes and errands. Umbrella insurance provides additional coverage for high-cost accidents.
  • Protecting Your Assets: Whether you own a home in Clintonville or a rental property near Ohio State University, umbrella insurance helps protect your investments from lawsuits.

How Gessel & Associates Insurance Agency Can Help

At Gessel & Associates Insurance Agency, we understand the importance of protecting your family and assets. Our team works with Columbus residents to find the right umbrella insurance policy to fit their needs. Whether you’re looking for extra coverage for your home, car, or other assets, we’re here to help.

Don’t wait until it’s too late to get the protection you need. Contact Gessel & Associates Insurance Agency today to learn more about umbrella insurance. Visit us at Gessel & Associates Insurance Agency to get started!

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Winter Driving in Columbus: Is Your Auto Insurance Ready for the Snow?

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Winter in Columbus brings icy roads, heavy snow, and unpredictable weather. For local drivers, these conditions can lead to accidents, vehicle damage, and unexpected costs. Before the first snowflake falls, it’s important to make sure your auto insurance is ready to handle the challenges of winter driving.

Why Winter Driving in Columbus Is Risky

Columbus winters are known for their freezing temperatures and snowstorms. Icy roads can make it difficult to stop, while reduced visibility increases the risk of collisions. Even experienced drivers can find themselves in tricky situations, especially during rush hour traffic or on poorly maintained roads. That’s why having the right auto insurance coverage is essential.

Key Auto Insurance Coverages for Winter

When preparing for winter driving, it’s important to review your auto insurance policy to ensure you’re fully protected. Here are some coverages that can make a big difference:

  • Collision Coverage: If you slide on ice and hit another vehicle or object, collision coverage can help pay for repairs to your car.
  • Comprehensive Coverage: Winter weather can cause damage to your car, such as falling tree branches or hail. Comprehensive coverage protects against non-collision incidents like these.
  • Roadside Assistance: Getting stranded in the cold is no fun. Roadside assistance can help with towing, jump-starts, and other emergencies.
  • Uninsured Motorist Coverage: If you’re involved in an accident with an uninsured driver, this coverage ensures you’re not left paying for damages out of pocket.

Tips for Staying Safe on Columbus Roads

While auto insurance provides financial protection, safe driving is your first line of defense against winter accidents. Here are a few tips for navigating Columbus roads in the winter:

  • Keep your tires properly inflated and check for adequate tread.
  • Drive slower and leave extra space between your car and others.
  • Clear snow and ice from your windows, mirrors, and lights before driving.
  • Carry an emergency kit with essentials like a flashlight, blanket, and ice scraper.

Review Your Coverage Before Winter Hits

Winter driving in Columbus can be unpredictable, but your auto insurance doesn’t have to be. Contact Gessel & Associates Insurance Agency today to review your policy and ensure you have the coverage you need for the season ahead. Our team is here to help you stay safe and protected on the road, no matter what winter brings.

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How Commercial Property Insurance Can Save Columbus Businesses from Unexpected Losses

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Business owners juggle countless responsibilities, and protecting your property is one of the most important. From your building to the equipment inside, your assets are the foundation of your operations. Gessel & Associates Insurance Agency knows how vital commercial property insurance is for businesses in Columbus, OH, and we’re here to help you understand why it’s a smart investment.

What Does Commercial Property Insurance Cover?

Commercial property insurance is designed to protect the physical assets of your business. This includes your building, furniture, equipment, inventory, and even outdoor fixtures like signage. If your property is damaged by fire, vandalism, theft, or certain weather events, this coverage can help cover repair or replacement costs, allowing you to get back to business quickly.

Why Columbus Businesses Need This Coverage

Columbus is a thriving hub for businesses, but it’s not immune to risks. Severe storms, break-ins, and accidental damage can happen when you least expect them. Without commercial property insurance, recovering from these events can be financially overwhelming. Having the right policy ensures your business can bounce back without taking a major hit.

Protecting Your Business’s Future

Every business owner knows that unexpected setbacks can disrupt operations and impact revenue. Commercial property insurance provides a safety net, so you can focus on growing your business instead of worrying about what might go wrong. Gessel & Associates Insurance Agency offers policies tailored to the needs of Columbus businesses, helping you stay prepared for the unexpected.

Want to learn more about protecting your business property? Contact Gessel & Associates Insurance Agency today to explore your options and find the right coverage for your needs.

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Home Insurance for Columbus’s Expanding Suburbs: Coverage for New Builds

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Columbus is experiencing rapid growth, with suburbs like Dublin, Westerville, and Hilliard becoming increasingly popular for families and professionals alike. New residential developments are popping up across the region, offering modern homes and amenities that cater to today’s lifestyles. While moving into a newly built home is exciting, it’s important to ensure your investment is protected. Home insurance plays a vital role in safeguarding new builds from unexpected risks.

Why New Builds in Columbus Need Home Insurance

Many homeowners assume that new builds are less prone to risks than older properties, but that’s not always the case. Even newly constructed homes can face challenges such as weather-related damage, theft, or liability claims. For example, Columbus’s unpredictable weather—ranging from heavy snow in winter to severe storms in summer—can impact roofs, siding, and landscaping. Additionally, new builds often feature high-value appliances and materials that may be targeted by thieves. Home insurance ensures you’re covered for these scenarios, allowing you to focus on settling into your new home.

Coverage Options for New Builds

Home insurance for new builds typically includes protection for the structure, personal belongings, and liability risks. However, it’s important to customize your policy to address the specific needs of your property. For example, if your new home includes advanced technology systems or custom features, you may need additional coverage to protect these investments. Working with a local agency like Gessel & Associates Insurance Agency ensures you receive a policy tailored to your unique situation.

Common Risks for New Builds in Columbus Suburbs

While new builds offer modern conveniences, they’re not immune to risks. Some common challenges include:

  • Weather Damage: Severe storms, hail, and snow can cause damage to roofs, windows, and outdoor structures.
  • Theft: High-value appliances and materials in new builds may attract thieves, especially before the property is fully occupied.
  • Liability Claims: Injuries to visitors or contractors on your property can lead to costly lawsuits.
  • Construction Defects: Issues such as faulty wiring or plumbing can arise, requiring repairs covered by your insurance policy.

Why Local Expertise Matters

Columbus’s expanding suburbs have unique characteristics that require specialized insurance solutions. Working with a local agency like Gessel & Associates Insurance Agency means you’ll receive personalized guidance and coverage options that address the specific risks faced by homeowners in the area. Our team understands the challenges of insuring new builds and is committed to helping you protect your investment.

Tips for Protecting Your New Build

In addition to securing home insurance, there are steps you can take to minimize risks and protect your property:

  • Inspect Your Home: Conduct a thorough inspection to identify any construction defects or vulnerabilities.
  • Secure Your Property: Install security systems and outdoor lighting to deter theft and vandalism.
  • Maintain Landscaping: Ensure trees and shrubs are trimmed to prevent damage during storms.
  • Review Your Policy: Work with your insurance agent to confirm your coverage includes all necessary protections.

Protect Your New Home in Columbus’s Growing Suburbs

Moving into a new build in Columbus’s expanding suburbs is an exciting milestone, but it’s important to prioritize protection for your property. Home insurance provides the coverage you need to safeguard your investment and enjoy peace of mind as you settle into your new community. Gessel & Associates Insurance Agency is proud to serve Columbus homeowners, offering policies that fit your needs and lifestyle. Contact us today to learn more about home insurance options for new builds!

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Motorcycle Security Upgrades

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Research some security upgrades that will benefit you as a motorcycle owner. The upgrades you select may affect your motorcycle insurance coverage.

Once you have improved your motorcycle’s security, please consult with one of our Gessel & Associates Insurance Agency representatives.

Chain and Ground Anchoring System

A chain and ground anchoring system will prevent your motorcycle from being moved when it is parked outdoors. This type of system is easy to install and can be moved to all the outdoor locations where you decide to park your motorcycle.

Steering Lock

A steering lock is a security device that prevents your motorcycle from being moved to another location. This type of lock attaches directly to the steering head.

A steering lock can be detached and reattached easily, improving your motorcycle’s security whenever you need to.

GPS Technology

A GPS (Global Positioning System) uses a network of satellites and receivers to keep track of the location of items being monitored.

This type of technology will provide peace of mind when your motorcycle is parked or operated by someone other than you. The GPS will indicate the exact location of your motorcycle.

Cover or Insulated Storage

A fitted cover or an insulated storage unit will protect your motorcycle from the elements and prevent weather-related damage. A cover or separate storage unit may also prevent theft of your motorcycle.

More Information

Learn more about how motorcycle security upgrades affect your insurance coverage. Contact one of our agents at Gessel & Associates Insurance Agency, serving Columbus, OH, to learn more about what will help you confidently select security upgrades for your motorcycle.

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Ohio’s Boating Season: How to Prepare Your Vessel and Your Policy

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As the weather warms up in Columbus, OH, boating enthusiasts eagerly anticipate the start of Ohio’s boating season. Whether you’re cruising on Alum Creek Lake, fishing on Hoover Reservoir, or enjoying the Scioto River, proper preparation is key to a safe and enjoyable experience. At Gessel & Associates Insurance Agency LLC, we want to ensure you’re ready for the water—both with your vessel and your boat insurance policy.

Getting Your Boat Ready for the Season

Before you hit the water, it’s essential to give your boat a thorough check-up. Here’s a quick checklist to ensure your vessel is in top shape:

  • Inspect the Hull: Look for cracks, dents, or other damage that may have occurred during storage.
  • Check the Engine: Test the engine, replace old oil, and ensure all components are functioning properly.
  • Safety Equipment: Verify that life jackets, fire extinguishers, and first aid kits are onboard and in good condition.
  • Navigation Tools: Update GPS systems and maps to reflect any changes in local waterways.
  • Clean and Polish: Give your boat a good cleaning to remove dirt and debris from the off-season.

Why Your Boat Insurance Policy Needs a Spring Check-Up

Just like your vessel, your boat insurance policy needs to be reviewed before the season begins. Ohio’s waterways can present unique risks, and ensuring your coverage is up to date can save you from unexpected expenses. At Gessel & Associates Insurance Agency LLC, we recommend checking for the following:

  • Coverage Limits: Make sure your policy covers the full value of your boat and any upgrades you’ve made.
  • Liability Protection: Verify that you’re covered in case of accidents involving other boats or property.
  • Specialized Coverage: If you own a fishing boat, jet ski, or pontoon, ensure your policy is tailored to your specific watercraft.
  • Emergency Assistance: Check if your policy includes towing or roadside assistance for breakdowns on the water.

Ohio’s Boating Rules and Regulations

Ohio has specific boating laws that every vessel owner should know. For example, all boats must have proper registration, and operators must follow speed limits and safety guidelines. Additionally, certain waterways in Columbus, like Hoover Reservoir, have restrictions on motorized boats. Staying informed about these rules not only keeps you safe but also ensures your insurance policy remains valid in case of an incident.

Tips for a Safe and Fun Boating Season

Here are a few tips to make the most of your time on the water:

  • Always wear a life jacket, even if you’re an experienced swimmer.
  • Check the weather forecast before heading out to avoid storms or high winds.
  • Keep a communication device, like a radio or cell phone, in case of emergencies.
  • Respect wildlife and other boaters to maintain a peaceful environment.

Partnering with Gessel & Associates Insurance Agency LLC

At Gessel & Associates Insurance Agency LLC, we’re proud to serve Columbus, OH, and the surrounding areas. Our team understands the unique needs of Ohio boaters and is here to help you find the perfect insurance policy for your vessel. Whether you’re a seasoned captain or a first-time boat owner, we’ll work with you to ensure you’re fully protected this boating season.

Contact us today at Gessel & Associates Insurance Agency LLC to review your boat insurance policy and get ready for a safe and enjoyable time on Ohio’s waterways!

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Umbrella Insurance for Columbus Landlords: Extra Layer of Liability Protection

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Being a landlord in Columbus, OH, comes with its share of risks. From property damage to tenant injuries, there are numerous scenarios where you could be held liable. That’s where umbrella insurance comes in. At Gessel & Associates Insurance Agency LLC, we provide comprehensive umbrella insurance policies to give Columbus landlords that extra layer of liability protection.

Landlords, Meet Your Liability Lifeguard: Umbrella Insurance

As a landlord, your standard liability insurance may not be enough to cover all potential costs associated with a claim or lawsuit. Umbrella insurance extends your liability coverage, providing an additional safety net in case of a major claim or lawsuit.

Navigating Your Umbrella Insurance Options in Columbus

At Gessel & Associates Insurance Agency LLC, we offer a range of umbrella insurance policies to suit every landlord’s needs in Columbus. Whether you own a single rental property or a portfolio of properties, we can help you find the right level of coverage to protect your investment.

Fortify Your Financial Fortress with Umbrella Insurance

With umbrella insurance from Gessel & Associates Insurance Agency LLC, you can manage your rental properties with peace of mind, knowing that you have an extra layer of liability protection. Don’t let a major claim or lawsuit jeopardize your investment. Secure your properties with umbrella insurance today!

Take the Next Step with Gessel & Associates Insurance Agency LLC

Ready to add an extra layer of liability protection to your landlord insurance in Columbus, OH? Contact Gessel & Associates Insurance Agency LLC today to discuss your umbrella insurance needs. We’re here to help you navigate your options and find the perfect coverage for your rental properties.

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Why Drivers Should Consider Adding Roadside Assistance to Their Auto Insurance

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At Gessel & Associates Insurance Agency LLC, located in the heart of Columbus, OH, we understand that every journey on the road comes with its own set of uncertainties. A sudden flat tire, an unexpected dead battery, or an accidental lockout can happen to anyone, anywhere. That’s where the safety net of roadside assistance comes into play.

24/7 Peace of Mind: Your On-Call Roadside Companion

Imagine having a reliable companion, ready to come to your aid, day or night, rain or shine. That’s what roadside assistance offers. Whether you’re stranded on a remote country road with a flat tire or stuck in your driveway with a dead battery, help is just a phone call away. It’s like having a personal roadside rescue team, standing by 24/7.

Cost Savings: Turning Roadside Troubles into Smooth Sailing

While there’s a cost to adding roadside assistance to your auto insurance policy, it can be a wise investment. Think about the potential out-of-pocket costs of towing your vehicle, hiring a locksmith, or getting an emergency fuel delivery. With roadside assistance, these services are often covered, turning what could be a costly headache into smooth sailing.

Convenience: A Hassle-Free Solution to Roadside Emergencies

There’s no doubt that roadside emergencies can be stressful. But with roadside assistance, you have a hassle-free solution at your fingertips. One call sets the wheels in motion, whether you need a tow, a tire change, a jumpstart, or a locksmith. It’s a level of convenience that can turn a stressful situation into a minor bump in the road.

Embrace the Journey with Confidence

Adding roadside assistance to your auto insurance policy can give you the confidence to embrace the journey, knowing you’re covered for whatever comes your way. At Gessel & Associates Insurance Agency LLC, we’re here to help Columbus drivers understand their coverage options and make the choices that are right for them.

Learn more about auto insurance at Gessel & Associates Insurance Agency LLC.

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Your Commercial Insurance Needs May Change As Your Business Grows

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The right insurance is a critical part of your business’s financial planning. It can help you avoid expensive losses and liabilities that can affect your company’s bottom line. However, business needs can change over time, and the insurance you have today may not be suitable for your current operations. At Gessel & Associates Insurance Agency in Columbus, OH, we offer a broad range of commercial insurance policies to meet every business need.

Types of Commercial Insurance You May Need

Businesses can choose from many different types of commercial policies. Some insurance is mandatory, such as workers’ compensation insurance to cover employees who are injured on the job, or property insurance to cover your business building if you have a mortgage. General liability insurance is often required to do business with other companies. Other types of insurance may be recommended, such as product liability insurance, key personnel insurance, or professional insurance. As your business grows and evolves, you may need to add additional insurance coverage.

Common Changes That Can Affect Your Insurance Needs

You may start your business with only yourself working, but you may add workers as the business becomes established. This would require workers’ compensation insurance. You may start out renting a property for your place of business, but later buy property, necessitating property insurance. If you develop your own product, you will need product liability insurance. You may also decide to protect your revenue stream with business interruption insurance. A periodic review of your insurance needs can help clarify the type of coverage that is advisable.

Choose Gessel & Associates Insurance Agency for Your Commercial Insurance in Ohio

A thorough assessment of your business operations can help you make the right insurance decisions for your company. Our experienced advisors in Columbus, OH can provide detailed answers to your questions regarding coverage. Contact Gessel & Associates Insurance Agency today for a no-obligation quote on commercial insurance and to learn about acquiring the right policy for your business’s changing needs.

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Home Insurance: A Must-Have for Columbus Homeowners

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Homeownership is a significant investment and a source of pride. In Columbus, OH, where homes are exposed to various risks ranging from weather-related damage to potential theft, having a robust home insurance policy is not just an option—it’s a must. Gessel & Associates Insurance Agency LLC is here to help you understand why.

Why Every Homeowner Needs Home Insurance

Home insurance provides financial protection against unexpected events that can cause damage to your home. It covers a range of incidents, including fire, storm damage, theft, and liability claims if someone gets injured on your property.

Understanding the Coverage

Home insurance typically includes dwelling coverage for your home’s structure, personal property coverage for your belongings, liability coverage for legal costs if you’re sued over someone’s injuries or property damage, and additional living expenses coverage if you can’t live in your home due to a covered loss.

Choosing the Right Home Insurance for Your Columbus, OH Home

When it comes to selecting a home insurance policy, it’s important to consider your unique needs. The team at Gessel & Associates Insurance Agency LLC in Columbus, OH can help you assess your risks and choose a policy that provides the right level of coverage.

Secure Your Home with Gessel & Associates Insurance Agency LLC

Home insurance is more than just a safety net for homeowners in Columbus, OH. It’s a crucial part of protecting your investment and ensuring peace of mind. Don’t leave your home unprotected. Contact Gessel & Associates Insurance Agency LLC today to learn more about our home insurance options.

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