Does My Motorcycle Insurance Cover My Helmet?

Your motorcycle insurance coverage often protects you, the motorcycle, and your passenger in case of an accident. It would be wrong to assume that your protective riding gear like the helmet is covered by your bike’s insurance. However, this doesn’t mean that helmets aren’t covered by motorcycle insurance. Some insurance companies such as Smart Way Insurance Agency that serves Sandy, UT area may have a standard policy that offers helmet coverage while others may offer the protection at an optional extra cost. It’s important to remember this when purchasing your motorcycle insurance. A good policy must cover your gloves, riding boots, helmet, and other protective motorcycle clothing.

Levels of helmet and protective gear coverage

Generally, the amount of cover one requires for their riding protective gear depends on how expensive the gear is. Since most policies provide clothing and helmet protection as an added extra, you’ll need to weigh up whether what you are getting is worth your money. If you own a budget gear, a policy that provides approximately $400 for clothing and helmet protection may be enough. But, if your helmet is particularly expensive, you’ll have to look for a policy that offers a higher level of coverage. Claiming on your helmet usually doesn’t affect the no-claim bonus, although this varies from one provider to the other.

Stolen and damaged equipment

In case your protection gear gets damaged in an accident, your helmet and protective clothing coverage should help you out. However, the same may not apply if the gear gets stolen, so don’t make an assumption. Most policies will either repair or replace your existing gear should damages occur. This is very useful particularly when it comes to helmets that often have to be replaced after an accident.

You can rely on Smart Way Insurance Agency if you want a cover that protects your motorcycle protective gear. The company serves the Sandy, UT, area so consider contacting us for more details.

 

3 Reasons You Need General Liability Insurance for Your Business

If you own a business, you can’t afford to not protect it. The fact is, there are more than a few things that can go wrong, resulting in a financial hardship for you. To help alleviate the worry and stress associated with these situations, you need to purchase general liability insurance.

If you need one of these policies for your Sandy, UT business, Smart Way Insurance Agency can help. If you want to know more about why it is needed, keep reading.

Accidents Can’t Be Predicted

What happens if someone is shopping in your business and they slip and fall? According to the law, this is your fault – regardless of what caused the fall. If you have general liability insurance, you will have a policy that will cover these types of situations.

The fact is, accidents can happen at any time. Being protected is the only way to ensure your business doesn’t take a devastating loss.

Peace of Mind

As a business owner, you have enough to worry about related to your business. You don’t need to worry about how you are going to pay for damages or injuries that occur on your premises. With a general liability insurance policy, this worry is taken away.

Protect Your Business Assets

If someone is injured or an accident occurs at your business, and you don’t have insurance, you will have to pay for medical costs and any other related expenses. This can result in you having to sell off your assets, or having your assets froze. In many cases, it isn’t a good situation. With an insurance policy, this isn’t the case.

If you are ready to purchase a general liability insurance policy for your business in Sandy, UT, contact the staff at Smart Way Insurance Agency for more information.