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Milford, CT 06461

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How to Supplement Your Liability Coverage With Umbrella Insurance

Some types of insurance policies work well with other policies. Umbrella insurance policies are designed to be used along with home and auto policies. If you already have auto and home insurance, you can get better coverage by adding an umbrella policy to them. When you want to be better insured, call us at White Oak Insurance LLC in Milford, CT, to learn more. 

More Liability Coverage

Umbrella insurance is extra liability coverage. When you have home and auto policies, each of these has its own level of liability coverage. A common problem, however, is that these policies often don’t have much of this coverage. They may not have enough if a serious and expensive accident happens. Home and auto insurance each come with liability protection that pays for the medical bills and other expenses due after someone gets injured in an accident that occurs either with your vehicle or on your property. An umbrella policy simultaneously gives you additional liability coverage for your home and auto policies. 

Save Money With Umbrella Insurance

If you were to go to your home and auto policies and add more coverage directly to them, it’s generally much more expensive than getting an umbrella policy. The cost savings can be beneficial to your budget. And umbrella policies have huge maximums so that they can pay for even costly accidents. Medical bills can be enormous, even if the accident isn’t that bad. When you’re covered by umbrella insurance, you’ll know that the cost of a severe accident can be covered.

Get Your Umbrella Policy

If you want to be better covered in case of accidents, it’s time to call us at White Oak Insurance LLC in Milford, CT. 

Adding Coverage for Vehicle Customizations

Many Milford, CT drivers turn to White Oak Insurance LLC for their automotive insurance. Most drivers buy their automobile, then their insurance, and never change either. The few who customize their vehicles need to update their insurance policy to reflect the added value to the auto.

What Items Need Special Coverage?

Auto insurance offers many ways to extend the policy to cover everything in and on the vehicle. This includes listing in the policy items, such as radar systems, tablet computers, etc. that you purchase for the vehicle to customize. It also includes things like a rear spoiler or custom tail lights that increase the vehicle’s value. Listing items in the policy, called scheduled coverage, specifically covers them from damage or theft.

Auto Body Customizations

When purchasing a vehicle, you sometimes want to make it your own by getting it a custom paint job or altering the auto body. When you order the vehicle this way from the manufacturer, your initial policy covers them. When you hire a mechanic after picking up the vehicle from the sales lot, these customizations that transform your vehicle into one that reflects your personality don’t yet have coverage in your policy. Altering the auto body creates a one-of-a-kind vehicle that can require additional coverage. Adding a camper or commercial-grade tool chest to your pickup truck also adds value to your vehicle that won’t receive coverage without adding it specifically to your auto policy.

Contact Our Insurance Office

Contact White Oak Insurance LLC for an auto policy review. Tell us about any vehicle alterations you made, and we can schedule coverage to protect your financial investment. Don’t drive the Milford, CT, streets unprotected. Call today.

Steps for Choosing Commercial Insurance for a Pizzeria

At White Oak Insurance LLC, our team can help Milford, CT pizzerias and restaurants find high-quality policies that meet their needs. If you’re still on the fence about your options here, it’s important to read through the following steps to streamline this process and make it more effective.

Follow These Steps 

Pizzerias like yours typically need various commercial policies that keep them safe from various risks. These are often comparable to restaurant policies but may also vary depending on multiple factors. If you’re in the market for insurance and aren’t sure where to turn, here are the steps you need to take to keep your business safe:

  1. Calculate your business income or actual loss potential 
  2. Decide what kind of delivery insurance you need 
  3. Integrate liability protection to avoid costly lawsuits and expenses
  4. Identify things like auto policies to keep your delivery vehicles safe 
  5. Don’t forget workers’ compensation for your pizzeria employees 
  6. Consider umbrella policies if your potential loss is high 
  7. Integrate cyber liability protection if you have an online ordering system
  8. Keep your ability to pay for a policy in line with your earnings 
  9. Provide health insurance for your long-term employees as well

These steps can provide you with the high-quality protection your pizzeria needs to stay open. Delivery insurance is particularly important because it can protect you from loss if any of your drivers get into an accident or if they hurt anybody during their delivery process.

Give Us a Chance to Help 

Our White Oak Insurance LLC team is more than happy to help Milford, CT businesses find the policies that suit their needs. Whether you run a pizzeria or another kind of restaurant, our crew of experts is here to make this process smoother and more efficient.

What Makes Classic Car Insurance Unique Compared to Traditional Car Insurance?

There is a big difference between classic car insurance and traditional car insurance. At first glance, most insurance buyers may not even realize there are two products out there. At the end of the day, though, it all comes down to knowledge of the products and understanding what you need. If you own a classic car, having classic car insurance is paramount. Serving the Milford, CT area, we at White Oak Insurance LLC can help bring awareness to you of the difference.

Do You Own a Classic Car?

In the event that you are the owner of a classic car, you want to understand classic car insurance so you can take advantage of it. Classic car insurance is all about being able to put your car back together the exact way you want it to maintain its integrity.

When you compare classic car insurance to standard car insurance, you need to look at the coverages. You will have additional coverage to account for the value of the classic car. On top of that, you are also in a position to be able to get original parts put into your classic car so that the integrity of the vehicle is not something you lose.

Act to Buy Classic Car Insurance

You want to buy classic car insurance to be sure your vehicle is protected out on the road. Work with our team at White Oak Insurance LLC. Serving the Milford, CT area, we are here to help you understand your classic car insurance needs and purchase the protection your vehicle deserves. If you own a classic car, keep it in top-tier condition, even if the unthinkable happens, and it is in an accident.

How Umbrella Insurance Works

Liability insurance is an important part of protecting yourself financially. There are liability coverage amounts in many different types of insurance policies. That includes both home and auto policies. However, you may not have the amount of coverage you need. Many people don’t have as much liability coverage as they thought. This can mean that their insurance can’t cover a major incident in which someone is injured. To get more of this coverage, there is umbrella insurance. If you’re interested in one of these policies, call us at White Oak Insurance LLC in Milford, CT.

Home, Auto, and Umbrella

Umbrella insurance is designed to work with your existing home and auto insurance policies. If you have both of these coverage types, there is some liability coverage in each of them. If you want to add more of this coverage onto your policies, however, it would be highly expensive. That’s why so many people turn to umbrella insurance instead. It’s a much less expensive way to get more liability coverage. It’s not only inexpensive, but it also comes with a very high maximum payout. When you don’t have much liability coverage, it may leave bills left over after the insurance company has paid what it can. This can leave enormous overages for you to pay. Umbrella insurance covers these overages so you won’t have to. 

Using Umbrella Insurance

When there’s been an accident with injuries. The medical bills first go to your home or auto insurance policy. Once it has maxed out what it can pay, umbrella insurance steps in. It pays the rest of the medical bills and other associated costs for you so you aren’t stuck paying out of pocket. Medical bills are going up all the time, so it’s smart to have this protection. 

Get Umbrella Coverage

If you need more liability coverage, call us at White Oak Insurance LLC in Milford, CT.

Will My Insurance Policy Cover Damages Caused by Hitting a Deer?

Deer have been known to dart out in the road when you least expect it, even in areas that aren’t necessarily rural. Since you can never predict when you might encounter a deer while driving, you might wonder if your insurance policy will provide coverage if you were to hit one. Serving the greater Milford, CT area, White Oak Insurance LLC is here to assist in understanding your options. 

What Type of Coverage Do You Have?

The type of coverage you currently have will determine whether your insurance policy will provide coverage in the event you were to hit a deer. If you have liability insurance only, then your coverage likely won’t be adequate to cover hitting an animal or other object. On the other hand, if you have full coverage insurance, then you will likely have nothing to worry about. If comprehensive insurance is included along with your collision, then you will be covered. 

Is Another Vehicle Involved?

If you only hit a deer while driving and you have comprehensive coverage, then you have no worries. However, if you swerve in an attempt to avoid a deer and you end up hitting another vehicle, then comprehensive coverage may not be sufficient. Collision is the type of insurance that covers accidents, regardless of the cause. Therefore, if you’re not sure of the type of coverage you have, then you need to double-check, so you’ll be sure. 

Schedule A Consultation Today!

If you’re shopping around for a new auto insurance policy that includes comprehensive coverage and you live in the Milford, CT area, we at White Oak Insurance LLC would love for you to choose us. We are always looking for new customers, and we pride ourselves on providing a wide array of insurance types and great customer service. So, give us a call today and one of our knowledgeable insurance agents will be happy to provide you with a quote. 

Commercial Coverage Options for Home Businesses

If you’ve recently launched a business from home, it’s time to consider your insurance options. You can’t count on standard home insurance to protect your business assets. Although you can increase your property and liability protection by getting home endorsements, you’ll still have lapses in your coverage. At White Oak Insurance LLC, serving the greater Milford, CT community, we recommend purchasing business insurance to safeguard your home business and keep it running smoothly.

Commercial Insurance Options for Home Businesses

Starting a home business can be challenging enough without having to worry about insurance. By getting the right coverage from the start, you can focus on running and growing your business to help it succeed. Depending on the nature of your business, you may want one or more of the following commercial insurance options:

  • General Liability – for protection against customer injuries while visiting your business or injuries customers may sustain from faulty products. If an injury leads to a lawsuit, liability insurance helps cover legal costs. 
  • Commercial Property – protects your business equipment and products against theft or damage from disasters like fire, hurricanes, etc. This includes computers, copy/fax machines, office furniture, inventory and other equipment used for business purposes.  
  • Business Interruption – covers business expenses like payroll and loss of income if your business has to close down due to disaster damage. Business interruption will even pay to relocate your business temporarily while repairs are made to your home/business site.

General liability, commercial property, and business interruption coverage can be bundled together in a business owner’s policy (BOP). Other commercial coverage options include worker’s comp to protect employees against injuries on the job and commercial auto insurance to cover vehicles used for business purposes.  

Where to Purchase Commercial Coverage

To purchase a BOP or other commercial coverage for your home business, contact White Oak Insurance LLC in Milford, CT today.

Three things you shouldn’t overlook when you buy classic car insurance

Classic car owners can purchase classic car insurance that’s tailored to their unique needs. White Oak Insurance LLC provides classic car insurance in Milford, CT.

Here are three things that you shouldn’t overlook when you buy classic car insurance:

The value of your classic car

It’s best to insure your classic car for its full value. That’s why you may want to have your vehicle evaluated when you purchase insurance.

Once you know what the value of your vehicle is, you should take out an agreed-value classic car policy. This type of policy will compensate you for your vehicle’s total value if it is destroyed in an accident. 

How much you use your classic car

Discuss how much you use your classic car with your insurance company before you buy a policy. Classic car insurance providers typically price premiums according to how frequently motorists use their vehicles. 

Many consumers who own classic cars don’t drive their classic cars that often. If you let your insurance provider know that you only use your classic car a few times a year, you’ll save on premiums. 

The amount of liability coverage your classic car insurance policy includes 

You could end up in an accident in your classic car. In this case, you might be held liable for the resulting damages. That’s why you need to make sure that you’re carrying enough liability coverage on your classic car insurance policy to keep you financially protected. 

Looking For Coverage For Your Classic Car?

Classic car owners in Milford, CT can rely on us at White Oak Insurance LLC for the insurance coverage they need. If you want to get a quote on a classic car insurance policy, call us or contact us online. 

Who can benefit from an umbrella policy?

Umbrella insurance from White Oak Insurance LLC is an important policy for anyone in the Milford, CT area looking to protect their assets in the event of unforeseen financial hardship. It provides an extra layer of coverage above and beyond what other policies provide, allowing individuals to safeguard themselves and their property in the case of a lawsuit or similar situation. 

Who can benefit from an umbrella policy?

One group that can especially benefit from having umbrella insurance is homeowners. Homeowners are often subject to liabilities due to visitors getting injured on their property, which could lead to costly legal fees and settlements if left uninsured. With an umbrella policy, homeowners can be sure that additional funds will be available should the need arise. This does not replace home or auto insurance but offers additional coverage.

Business owners also stand to gain from umbrella insurance. Businesses may be held liable for losses resulting from employee negligence or accidents resulting from products used by consumers. An umbrella policy can provide additional protection against these kinds of unexpected liabilities.

Ultimately, any person with significant assets should consider investing in an umbrella policy to ensure that they remain financially secure should a legal dispute arise. Not only does it provide peace of mind, but it also offers invaluable protection against potential financial loss down the road.

Reach Out To Us

For more information, give us at White Oak Insurance LLC a call today. We proudly serve the Milford, CT area and would be happy to help you find a policy that meets both your needs and your budget. So don’t delay. Give us a call today and start getting the protection you need to keep you and your family safe.

How Do I Know if I Have Enough Auto Insurance?

At White Oak Insurance LLC, in Milford, CT, we offer customizable insurance policies to meet your unique needs. We offer auto insurance, as well as other types of coverage. 

Coverage Requirements in Connecticut

Connecticut drivers are required to have liability insurance. The minimum requirement is $25,000 for bodily damage liability, up to $50,000 per accident, and $25,000 in property damage liability are required. 

However, this isn’t enough for most drivers. 

How Much Liability Coverage Do I Need? 

Insurance experts recommend that drivers have $100,000 in bodily damage liability, up to $300,000 per accident. This will allow your policy to cover expected medical costs if someone is injured in an accident that is your fault. 

They also recommend $100,000 in property damage liability, which will cover the property damage in most accidents. 

Under/Uninsured Motorist Coverage 

Liability coverage includes under/uninsured motorist coverage at the same coverage limit as your bodily injury liability policy. However, you can purchase up to double this amount. This covers you and your passengers if you are injured in an accident and the other party doesn’t have liability coverage or inadequate coverage. 

Experts recommend at least $100,000 and up to $300,000  in under/uninsured motorist coverage. 

Other Types of Coverage 

If you have a lien against your vehicle, you are required to carry comprehensive coverage, which includes collision and comprehensive coverage. However, if you can’t afford to replace your vehicle, you should consider this coverage even if it isn’t required. 

If your lien is more than your vehicle is worth, you should consider gap coverage to make up the difference.  

Give Us A Call

If you aren’t sure if you have adequate auto insurance coverage in Milford, CT, contact us at White Oak Insurance LLC. Our knowledgeable agents can discuss your policies and ensure that you have the coverage you need. 


States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
  • Maine

Partner Carriers

  • American Commerce
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  • New York life
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