In South Dakota, the owner of a vehicle is required to purchase insurance or provide proof of financial responsibility. If you have a loan on your car, your lender may also require you to purchase auto insurance. At John Sieh Agency you can get an auto insurance policy you can count on at a rate you’re happy with. Car insurance policies are available for collision coverage or comprehensive coverage. Collision coverage protects you from any physical damage to your car as a result of colliding with another object. The alternative auto insurance policy option, comprehensive coverage, pays for damage to your car from almost all other losses other than collision including things like theft, fire, vandalism, hail, etc. We also have policies that can cover medical payments, accidental death, disability, rental vehicles and emergency road service. We’ll walk through the options with you so when it comes time to fixed a cracked windshield, you know who’s covering the cost before you make the appointment.
Motorcycle Insurance
Enjoy the open road with personalized motorcycle insurance coverage for your bike. Despite how safely you drive your motorcycle, there’s other motorists to consider and it’s best to have adequate coverage in the case of an accident. Motorcycle insurance is also required in the state of South Dakota. There’s a good chance motorcycle insurance isn’t the only insurance policy you have, so we’ll look for opportunities to for savings by having multiple insurance policies with the same company. Your budget is always part of our consideration.
Truck Insurance
You can’t predict the weather or other drivers’ behavior, but you can have the right coverage in place for the vehicles you depend on. Many small business owners assume their personal auto policy covers them for work use, but that isn’t the case. If your vehicle is used for both personal and business use, it should be insured as a commercial vehicle. This protects you with higher liability limits and any additional coverage your individual business may need. If you aren’t sure which policy is needed, just ask. We’re here to help.
Your business is your livelihood which is why it’s important to protect your building and equipment from uncertainties. Commercial Property Insurance protects what your business needs to run. Your policy can pay to repair or replace property that is damaged, destroyed or stolen. Things that are covered may include your building, the contents (inventory, office equipment, furniture, etc.) and other people’s property that is left in your care. We’ll walk you through your options and help you determine the coverage needed to fully protect your place of business.
Workers Compensation Insurance
Employers have a legal responsibility to keep to their employees and their workplace safe. In South Dakota, all employers must carry workers compensation insurance, regardless of the number of employees. Workers compensation insurance provides compensation to injured employees for their medical bills and lost time at work, regardless of who was at fault. Workplace accidents can be costly and halt your productivity. Protect your employees, and your assets, in the event of an accident.
Accidents happen – when you’re on the hook, you need an agent in your court who cares. A personal liability umbrella can protect you when your auto and homeowners policies fall short. Your auto policy puts limits on how much can be paid out as a result of bodily injury to everyone involved in the accident and medical expenses can be pretty steep. A personal liability insurance policy allows for additional coverage to ensure those extra, uncovered costs don’t come out of your pocket. As a homeowner you may be held liable for an accident on your property like a fall on a swing set or slippery sidewalk. Having a personal liability umbrella means your assets are protected from potential claims against you.