The holidays are here, and that usually means great times visiting with friends and relatives, sharing memories and making new ones. Often this includes traveling out of town for a period of days and having to leave your house unattended while you are away.
Why would someone consider buying life insurance and what kind is the best policy for their dollar?
Life insurance is one of the foundations of managing your personal finance, something every person should consider an absolute necessity! But somehow, in spite of this fact there is still a large amount of confusion, skepticism and negativity for most people when they consider buying life insurance.
The Alabama Law Enforcement Agency (ALEA) will begin enforcing the Alabama Mandatory Liability Insurance Law (Act#2016-361) on November 1st, 2017.
During the 2016 legislative session, a law was passed and signed by the Governor to mandate all Alabama motorists have liability insurance. Beginning Wednesday, Nov. 1, those who choose to drive without liability insurance will face a civil penalty.
The MLI law provides that no person shall operate, register or maintain registration of a motor vehicle designed to be used on a public road or highway unless it is covered by a liability insurance policy.
We've all heard of Spring Cleaning but the Fall season is a good time to do maintenance and repair work and clean up too! Here's some great ideas from Auto-Owner's Insurance for Fall Cleaning / Maintenance Jobs!
The best part is that these ideas are simple and easy and may save you money, and possibly your life!
Most of the time, insurance is something you really don't think about, and that's the way it should be. Good insurance policies and responsible agents like Larry Liveoak and the staff at Liveoak Agency allow you to live your life peacefully and productively knowing we've got things covered for you when accidents happen. But when they do happen, it is good to know the information you need is easy to find.
Summer is right around the corner and with that brings lots of people enjoying the warmer weather. Protect your lake homes from burglars for while you are away. Keep children & pets safe near the water and tie down your boats & wave runner’s securely to avoid damage and/or floating away. Most importantly, BE SAFE!
It’s estimated that one in four workplace deaths are due to motor vehicle accidents. Are you a business owner who uses one or more vehicles during the course of business? Do you often rents or leases vehicles for business purposes? Do your employees use their personal vehicles for business purposes? If so, don’t count on your General Business Policy to protect you in the case of an accident – or worse. Alabama requires a minimum amount of liability insurance on all personal vehicles, so chances are your employees will at least carry some auto liability insurance. But, most commercial policies won’t cover an employee’s personal liability (just company liability), and most won’t reimburse employees for damage caused to personal vehicles used for company business. So, to protect business assets, adding Commercial Auto Insurance to a business policy is a smart move.
Most Recreational Vehicles – RVs for short – fall under Alabama’s Mandatory Liability Insurance Law. So, if your RV is a motorized vehicle, you must comply with the state-mandated amount of liability coverage. And although your automobile insurance policy might extend some coverage to your RV, it will not address the unique situations owning an RV can present. You will also be required to have proof of liability insurance if the RV is financed or is a rental. So what constitutes a “recreational vehicle” in terms of RV insurance? An RV can be a motor home or travel trailer. Each type has a singular definition for insurance purposes. Additionally, providers have set forth requirements that must be met for the vehicle to qualify for RV insurance.
Motorcycle riding is a popular form of recreation and transportation for thousands of people across the state and nation. As warmer weather approaches there will be more and more bikers on the roads. Please be courteous, look both ways twice before pulling into traffic and remember these riders have families just like you.
Attention business owners! A reminder: As of May 1, 2014, the Alabama Insurance Services Office requires agents handling comprehensive business insurance to include an endorsement to each policy excluding data breach or cyber liability coverage. An endorsement is a separate document attached to the policy that legally changes the terms and the coverage afforded under the policy. In a nutshell, your standard commercial general liability policy will no longer cover data-related liability claims. Deciphering a policy and its exact policy coverage is also breaking new ground as these policies are relatively new in relation to a commercial general liability policy. Also, navigating business data losses is a rising specialty as there are special nuances because no two data breaches or commercial businesses are exactly alike.
With 26 years of experience insuring the River Region and Southeast Alabama, Liveoak Agency, Inc. is prepared to handle all your insurance needs with unsurpassed service and quality!
At Liveoak Agency, Inc., we offer a wide range of insurance products to meet your everyday needs. From auto to home, from business to life insurance, we have you covered. With our quick turnaround on all quotes, we can have you setup with the right product in no time. We Offer a Broad Range of Insurance Products.
4791 Main Street, Millbrook, AL 36054 | Ph: 334-285-2881 | Fax: 334-285-2885 | firstname.lastname@example.org