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2 days ago · by · 0 comments

Cyber liability insurance

Cyber liability insurance

cyber liability insurance covers costs after someone steals your data or damage is caused by malicious software. These costs are very high.

They destroy a large number of companies. It refers to the lawsuits that follow data theft and the high costs of data recovery if generally there is an option.

No matter how careful you are about these things, this kind of damage can always happen to your company.

What is cyber liability insurance

Cyber liability insurance also known as cyber security insurance.

It is divided into two things: first-party cyber liability insurance and third-party cyber liability insurance.


first-party cyber liability insurance Refers to data breach or cyber attack.
Covers business interruption costs, fines, costs incurred due to theft.


This is used by companies that keep their customers’ data or there is a risk of valuable data being lost or stolen.


third-party cyber liability insurance refers to coverage against lawsuits. Claims are that you failed to prevent attacks or prevent malicious software.

This is taken by internet security companies. Companies that provide protection to other companies protect themselves from lawsuits.

Cyber liability insurance coverage

Cyber liability insurance covers costs caused by data breaches, cyber-attacks, or malicious software. The costs that may arise are the costs of recovery, lawyers, data rescue costs, and payment of experts that may be required.


First-party cyber liability insurance – otherwise known as data breach insurance. Insurance companies hold sensitive information of their customers such as email addresses, phone, addresses, medical information, credit card numbers, driver’s licenses, bank accounts, social security numbers, names…


What goes into it?
Costs of hiring experts, forensic investigations, business interruption costs, payment of extortion, rental of additional equipment, court costs, repairs…
This type of coverage is usually added to general liability insurance to keep the price down.

 

Third-Party Cyber Liability Insurance
This insurance is intended for companies dealing with internet security.
It covers the costs of the lawsuit, lawyers, covering legal costs, fines, and settlements.

cyber liability insurance

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Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

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Info@THAgency.com 

1+(406)721-8810

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5 days ago · by · 0 comments

Video production insurance

Business Insurance for Video production

We will search the top carriers for you for the best offer.

Video production insurance

The film industry, like any other business, bears the risk of losing investment or even ending up in debt. That’s why it’s important to get insurance on time and properly.

Problems always arise. Missing or damaged equipment. Injuries during filming, Damages caused at locations where third parties are filmed, vehicle insurance, copyright infringements, lawsuits…

That is why a combination of insurance policies is needed.

What insurance do I need for video production?

We can easily classify which insurances you need depending on the type of work.

 

  1. Workers compensation insurance In order to be covered in case the worker gets injured or sick at the workplace.
    This insurance is required by most states because you must cover all work-related injuries and medical expenses, lost wages of the injured worker and even death. Regardless of whether the worker has personal health insurance, you are responsible for his medical expenses if an injury occurs in the workplace, and such injuries occur even in the safest conditions. If you do not have this insurance, you have to pay all the costs yourself, which can be quite expensive.

 

  1. General liability insurance.
    It covers bodily injury to your customers, property damage, advertising damage, personal injury, rental property damage and medical payments. These situations are common and every company should consider about this type of policy.

 

  1. Professional liability insurance. In case your advice causes some damage to the client.
    The damage you can cause to your clients can be financial or physical. Such as doctors, consultants, advisors, personal trainers, nutritionists… Of course, the price of this insurance depends on the type of service you offer.

 

  1. Business owners policy.
    This is a combination of two different insurance policies for general liability insurance and property coverage.

It includes cover for business interruption caused by a claim, which is ideal for small and medium-sized business owners. The problem with this policy is that it does not cover employees at all.

The Business owners policy includes customer injuries, customer claims related to your products, damage to movable and immovable property.

 

  1. Commercial car insurance. To insure your people and company on the road with a policy. The difference between Commercial Auto Insurance and Personal Auto Insurance is that Commercial Auto Insurance covers far more things. Such as, for example, loading and unloading, business equipment on vehicles, coverage of rented vehicles, greater exposure of property, loaded items on the vehicle or trailer…

 

    1. Tools and equipment insurance is up to $10,000. It is intended to cover costs if the equipment is damaged during use, stolen or vandalized.
      The tool or work equipment must not be older than 5 years. And tool damage due to wear and tear is not covered.
      If you own tools that $10,000 won’t cover. You should take out inland marine insurance.
  1. Commercial Umbrella Insurance.

This coverage extends of  the limits for some of your liability policies.

 In most cases, more than one type of insurance is required. 

Video production insurance cost

The price depends on many factors, such as the number of employees, the size of the company, the location… It is best to ask for a quote so that we can find the best offer for you with our carriers. 

video production insurance

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Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

1+(406)721-8810

Home, Auto, Business, Health, Travel and Life 

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6 days ago · by · 0 comments

Inland marine insurance

Inland marine insurance

What is inland marine insurance?


Inland marine insurance definition would be the insurance of the movable property of the company and the insurance of things that are not yours and are with you. Let’s cite a few examples to better convey what exactly it is about.

Let’s say you are the owner of the service. People leave their things with you for repair, and with this insurance, those things are covered if something goes wrong.

You are the owner of a construction company and you have valuable tools that are transported to construction sites and used in various locations. This is suitable for tools worth over $10,000.

You are the owner of a vehicle with expensive equipment such as a mobile kitchen for serving food and drinks.

You are sending goods of high value that are not covered by the standard police shipping package.

You own property that is not with you but in another warehouse or place.

What does inland marine insurance not cover?

Inland marine insurance does not cover damage caused by an earthquake, flood or tornado.

Assets transported by air or sea.

Commercial vehicles. Only what is in them.

Inland marine insurance cost

The price of inland navigation insurance mostly depends on what exactly you are insuring. In addition, it is important what type of work you do, how often and in what way the property is transported, or where it is located.

With this police, it is important to know that it can be added to other police insurances such as business owner’s policy (BOP). Because when more policies are taken in the package, then the price is reduced.

The next best thing you can do is send us an inquiry to see which insurance company you can get the best deal from. All you need to do is fill out the form below.
Inland marine insurance

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

1+(406)721-8810

Home, Auto, Business, Health, Travel and Life 

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7 days ago · by · 0 comments

Tools and equipment insurance

Tools and equipment insurance

Tools and equipment insurance is insurance up to $10,000. It is intended to cover costs if the tool is damaged during use, stolen or vandalized.

The tool or work equipment must not be older than 5 years. And tool damage due to wear and tear is not covered.
If you own tools for which $10,000 will not be enough coverage. You should take inland marine insurance. 

Adding contractor’s equipment insurance to other policies

This way you can save money or increase your coverage. This type of policy can be added to your two other types of insurance, general liability insurance or business owner’s policy. This way the price is lower.

Tools and equipment insurance cost

Take this insurance considering the value of your tools. The maximum compensation under this policy is $10,000. For average coverage, count around $170 per year.

tools and equipment insurance

Tools and equipment insurance Quote

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

1+(406)721-8810

Home, Auto, Business, Health, Travel and Life 

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7 days ago · by · 0 comments

Carpenter insurance

Carpenter insurance

Carpenter insurance covers all the expenses necessary to keep a carpenter safe.

Carpenters are skilled workers in the construction and building industries. As such, they work in dangerous environments. 

Working as a carpenter is obviously dangerous- but that doesn’t mean it’s easy. Each day, carpenters face many serious dangers. Safety equipment is a must to mitigate the effects of these dangers. These dangers include power tools, workbenches and jigsaws.

Plus, structural hazards such as falling bricks and wood splinters are constant threats as well. Basically, working as a carpenter is difficult, but it’s necessary in order to provide for family needs. That’s why insurance is an important part of this business.

What insurance do I need for my carpenter business?

We can easily classify which insurances you need depending on the type of work.

  1. Does your company have employees? Then you need workers compensation insurance In order to be covered in case the worker gets injured or sick at the workplace. This insurance is required by most states because you must cover all work-related injuries and medical expenses, lost wages of the injured worker and even death. Regardless of whether the worker has personal health insurance, you are responsible for his medical expenses if an injury occurs in the workplace, and such injuries occur even in the safest conditions. If you do not have this insurance, you have to pay all the costs yourself, which can be quite expensive.

  1. Is your company in contact with other people’s property and people? Then you need general liability insurance. It covers bodily injury to your customers, property damage, advertising damage, personal injury, rental property damage and medical payments. These situations are common and every company should consider about this type of policy.

  1. Does the company give advice to clients? Then you need professional liability insurance. In case your advice causes some damage to the client.

    The damage you can cause to your clients can be financial or physical. Such as doctors, consultants, advisors, personal trainers, nutritionists… Of course, the price of this insurance depends on the type of service you offer.
  1. Do you have inventory or equipment that you want to insure such as furniture, computers, tools…? You can do this through your business owners policy. This is a combination of two different insurance policies for general liability insurance and property coverage.

It includes cover for business interruption caused by a claim, which is ideal for small and medium-sized business owners. The problem with this policy is that it does not cover employees at all.

The Business owners policy includes customer injuries, customer claims related to your products, damage to movable and immovable property. 

  1. Does the company own vehicles or work machines? Then you should get commercial car insurance. To insure your people and company on the road with a policy. The difference between Commercial Auto Insurance and Personal Auto Insurance is that Commercial Auto Insurance covers far more things. Such as, for example, loading and unloading, business equipment on vehicles, coverage of rented vehicles, greater exposure of property, loaded items on the vehicle or trailer…

    1. Tools and equipment insurance is up to $10,000. It is intended to cover costs if the tool is damaged during use, stolen or vandalized. The tool or work equipment must not be older than 5 years. And tool damage due to wear and tear is not covered. If you own tools that $10,000 won’t cover. You should take out inland marine insurance.

    2. Another smart type of insurance would be Commercial Umbrella Insurance.
This coverage extends of  the limits for some of your liability policies.

 In most cases, more than one type of insurance is required. 

Carpenter insurance cost

The price depends on many factors, such as the number of employees, the size of the company, the location… It is best to ask for a quote so that we can find the best offer for you with our carriers. 

carpenter insurance

Carpenter insurance Quote

Save money by comparing insurance quotes from multiple carriers or get better coverage.

Contact details:

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

1+(406)721-8810

Home, Auto, Business, Health, Travel and Life 

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1 week ago · by · 0 comments

Builder’s risk insurance

Builder's risk insurance

builder’s risk insurance is insurance for buildings under construction. If damage occurs due to severe weather that does not include a tornado, flood or earthquake. Fire, vandalism or theft at the construction site.

What is builder's risk insurance?

Builder’s risk insurance is insurance that covers damage on the construction site. If there is damage to the building that is under construction, regardless of whether it is structural damage or material.

This insurance covers replacement or repair. This type of insurance may be required by contractors or even by law in some places. This insurance lasts and insures the facility only during its construction.

Insurance can be taken out for buildings that are under renovation as well as for buildings on which work has already begun.

Who pays for builder's risk insurance?

builder’s risk insurance is paid by the contractor. This includes all companies participating in the construction of the facility. And everyone must be listed as a beneficiary of the policy.

Because it is in the contractor’s interest not to incur additional costs. The client of the works will win in court if there is a dispute because the contractor is considered responsible for the condition of the construction site. So they are not interested in this type of insurance. And everyone must be listed as a beneficiary of the policy.

If by any chance the contractor takes out an insurance policy, be sure that you, as the contractor, are listed in the policy, i.e. everyone who may be injured or affect the course of construction of the building.

Builders risk coverage

builder’s risk insurance covers repairs to the building under construction and materials on the construction site in the event of theft, fire, bad weather conditions (wind, rain, hail) or vandalism.

The most common case is vandalism and theft. Because such facilities are not guarded at night. It is easy for someone to break windows, steal materials, destroy installations…

If there is a possibility of flooding or tornadoes. You can extend this policy to protect against weather disaste

Builder's risk insurance does not cover

Please note that this policy does not cover faults due to construction errors or the selection of incorrect materials. For such protection, you need Professional liability insurance
It does not cover your tools or workers
If there is a possibility of flooding or tornadoes. You can extend this policy to protect against weather disasters.

Builders risk insurance cost

The price depends on several factors. But consider that the price is between 1% and 4% of the total value of the finished building.
Of course, consider higher premiums if you work with expensive materials.

Builder's risk insurance

Builder's risk insurance Quote

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Contact details:

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

1+(406)721-8810

Home, Auto, Business, Health, Travel and Life 

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2 weeks ago · by · 0 comments

How to get car insurance before buying a car?

How to get car insurance before buying a car

Car insurance is an integral part of driving. Without it, no driver can legally use a vehicle. Insurance companies base their rates on a number of factors, such as age and location. However, insurance companies have to understand the vehicles their customers drive. That’s where vehicle insurance comes in. 

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

Car insurance before buying a car

You must not drive the car even when driving it for the first time. That’s why you need to get car insurance before you come to pick up the car.

The key thing you need to get auto insurance is your Vehicle Identification Number (VIN). You cannot buy insurance without this number.

That’s why you need to get the vehicle identification number (VIN) from the car dealer before you take the car from them. Then the process is very simple. Because with us you can do the whole process online.

Send us an inquiry. We work with almost 100 carriers and find for you the best price and option that is currently offered by insurance companies.

No matter what we will look for the best option for you always keep in mind. That the price of insurance is mostly influenced by the quality of the driver.

The most expensive car insurance is for drivers with violations and traffic accidents in the past (3-5 years).  

Documents for car insurance:

  • Personal information(name, address…)
  • Vehicle identification number for all vehicles you’re insuring
  • Driver’s license numbers for all drivers od tog automobila
  • Date of birth for all drivers
How to get car insurance before buying a car

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

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2 weeks ago · by · 0 comments

SR 22 Insurance

sr 22 insurance

SR 22 insurance

Form SR 22 is a document that proves that you have the minimum auto insurance coverage required by the state.

What is SR 22 insurance

SR 22 is not insurance, but that is proof that you have car insurance. And it is required by the state in cases where you have an offense that requires it. Such as driving an uninsured car. SR 22 insurance is also called a certificate of financial responsibility. 

Do I need SR 22 insurance?

You only need SR 22 insurance if the state requires it. All other drivers do not need that kind of evidence. The state will contact you if need it. 

Do I need SR 22 insurance?

SR 22 insurance you have to look from the company that sold you auto insurance. Some companies cannot give you SR 22 insurance. In this case, a new auto insurance policy is required. You can painlessly buy car insurance online with us. And we can issue you a SR 22 certificate.

SR 22 insurance cost

SR 22 insurance you have to look from the company that sold you auto insurance. Some companies cannot give you SR 22 insurance. In this case, a new auto insurance policy is required. You can painlessly and fast buy car insurance online with us here. And we can issue you a SR 22 certificate.

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

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Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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2 weeks ago · by · 0 comments

Life Insurance

life insurance

Life Insurance

Life insurance is a necessity for many people- especially those who have a steady income.

Covering the cost of your family’s future, with regular payments, provides financial security for them. Plus, it can help you pay off debts or fund your retirement.

Buying life insurance can be tricky, but there are many options available to fit any budget.

First, let’s talk about what life insurance is and why everyone needs it. Life insurance is a financial instrument that pays out your salary after you die. Premiums typically cover a fixed sum of money and are paid monthly throughout a policy’s lifetime. Most policies offer a range of cover options such as cash value, accident only, and more.

You can also decide how much coverage you want and whether you would like it to be immediate or delayed. A personal life insurance plan is perfect for covering funeral costs and other immediate expenses.

In addition, a family plan can help with debt and retirement planning in emergencies.

Fill in the information below in the form so that we can find the best solution for you.

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life insurance

Life Insurance Quote

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

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Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

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Home, Auto, Business, Health, Travel and Life 

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2 weeks ago · by · 0 comments

Homeowners Insurance

Homeowners Insurance

Homeowners Insurance

A home is the center of most people’s lives. Homeowners insurance is a type of insurance that covers your home and belongings from damage caused by disasters or accidents.

Home insurance can be expensive, but it’s essential for protecting your loved ones if tragedy strikes. Most policies include coverage for natural disasters like wildfires and hurricanes.

Most homeowners also have additional coverage for accidents and vandalism, which can be expensive. Everyone should buy home insurance to protect their loved ones in case of a tragedy.

Most home insurance covers structural damage caused by natural disasters. Structural damage is the most common type of claim made to homeowner’s insurance companies. Floods, earthquakes and hurricanes are the biggest causes of natural disaster-related claims.

Homeowners can also file claims if their homes are burglarized. For this type of claim, homeowners should choose burglary coverage.

Accidents involving vehicles can also cause major damage to homes, so many policies cover vehicle repairs. Most homeowners buy several types of insurance for their homes. Most plans cover damage caused by fires, storms, earthquakes, floods and snowfall.

A few companies offer additional coverage for accidents and vandalism. homeowners also have liability insurance in case anyone gets hurt on their property. All homeowners have limited coverage compared to businesses’ insurance plans. However, you can always contact us to ask for best coverage and best price. If you only need limited coverage for your home. Homeowner’s usually need to pay monthly premiums when buying homeowner’s insurance plans.

To calculate your premium, your home’s value and the risks you’re willing to take into account when buying a home. Each plan has its own set of exclusions that limit what you can cover with your premiums.

For example, some plans don’t cover furnishing in the home or your car while others don’t cover animals. Each company has different limits on what you can cover with your premium money.

It’s a good idea to familiarize yourself with each plan before purchasing it so you know what you’re getting for your money.

Homeowner’s insurance helps with the financial costs of replacing your home if it’s damaged. Most policies include general damages like replacing damaged furniture, electronics and clothes and fixing minor structural issues like shoring up walls and roofing damaged areas.

Furnace repair is also usually covered when your home is damaged by fires or hurricanes. Plans are great in case of a natural disaster like a storm that causes flooding or snowfall to damage your home.

Anyone who owns a home should consider buying homeowner’s insurance to protect their belongings from damage caused by disasters or accidents.

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Homeowners Insurance

Homeowners Insurance

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Contact details:

Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States. 

ALLIED INSURANCE

Company Information

Toby Hansen
Agency Inc.


425 South Orange Street
Missoula MT 59801

Company Information

E-mail address:
Info@THAgency.com 

Home, Auto, Business, Health, Travel and Life 

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Take care of your child

Insurances for
your child's future

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Company Information

Toby Hansen
Agency Inc.

425 South Orange Street
Missoula MT 59801

Contact details

E-mail address:
THansen@THAgency.com

1+(406)721-8810

Home, Auto, Business, Health, Travel, and Life