Can Your Employees Choose Their Own Doctor for Workers’ Compensation Treatment?

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One of your responsibilities when owning a business is purchasing commercial insurance, including workers’ compensation insurance. If your company is located near Manchester, NH, our team at AS Insurance Agency looks forward to meeting you and helping you find the right insurance choices to protect your employees. We’ve been working with commercial clients in your area since 2016.

Can Your Employees Choose Their Doctor for Workers’ Compensation Treatment?

When your employees are injured on the job, many companies require them to visit specific doctors for their work-related injuries. Some employees may ask if they can use their doctors for treatment of their work-related injury. According to Workers’ Compensation Doctors, employees in West Virginia who are injured on the job may visit their physician for the initial visit. Still, they must choose a doctor from a state-approved list for the rest of their treatment.

Although your employees prefer to go to their doctor, many physicians may not treat injuries incurred on the job. According to Disability Secrets, state regulations for treating work-related injuries can be complex, and many personal physicians are not familiar with or prepared to follow state-imposed guidelines. When employees visit a doctor for the first time after an injury, they must inform the doctor that the injury occurred while they were at work.

Call Us Today for Your Appointment

As a business owner, you know that your need for commercial insurance extends beyond a workers’ compensation policy. Commercial clients in the Manchester, NH area can discover a range of available insurance options when they contact our team. Each member of our team at AS Insurance Agency is dedicated to providing education and support to every client we meet. Call us today to schedule an appointment, and let’s discuss your company’s insurance needs.

Cover Your Coverage Questions with Umbrella Insurance

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Insurance often raises many questions, particularly regarding the cost and extent of coverage. Whether it’s home, auto, or other types of insurance, everyone wants to ensure they have sufficient coverage for any potential claims. This is why many individuals in Manchester, NH, rely on the professional team at AS Insurance Agency for their insurance needs, including umbrella insurance solutions.

Address Your Insurance Concerns with Umbrella Coverage

Investing in insurance can be frustrating and costly, only to discover later that it doesn’t meet your needs. Fortunately, with the right umbrella insurance, you can address these concerns and ensure you have the protection you require. This is why working with experienced agents who can guide you toward the appropriate umbrella insurance solutions is beneficial. If you’re uncertain about the protection your current policy offers, umbrella insurance could be the solution.

Umbrella Insurance Solutions in Manchester, NH

We can assist if you live in or around Manchester, NH, and have questions or concerns about your home or auto insurance coverage or limits. At AS Insurance Agency, our professional team can assess your coverage needs and help determine if umbrella insurance could enhance your protection. Contact us to learn more and schedule an appointment today for the umbrella insurance solutions you need and the desired coverage.

Insurance Needs for Long Distance Hikers

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Have you ever dreamed of hiking the 2,193-mile Appalachian Trail, which passes near Manchester, NH, or perhaps the 2,650-mile Pacific Coast Trail? Maybe you dream of traversing the Camino de Santiago (the Way of St James) through France and Spain. While getting your gear together and making travel plans, you may not even consider insurance…but you should. These long-distance hikes take months to complete and, thus, present unique insurance needs.

Insurance for Long-Distance Hikers

Hiking is not without physical and financial risks. Even a broken ankle can cost thousands to treat. Snake bites, infections, falls, and diseases from drinking unfiltered water are just a few of the health perils you could encounter in the wild. Many hikers quit their jobs to tackle the trail for six months or more. That can leave them without health insurance. In addition, many health insurance policies, such as HMO policies, are regional and don’t cover out-of-network health expenses or pay as high a percentage of the costs for out-of-network services.

In addition to health insurance, single hikers should ensure that their homeowner’s insurance and auto coverage are set up so they won’t miss a premium while they are "off the grid." If you will be storing your vehicle in the garage for the duration of your trip, discuss that with your insurance professional. You may be able to save money by dropping some of your coverage while you’re not driving your car.

Contact AS Insurance Agency to learn more about insurance for your next adventure and your other insurance needs. We have been helping Manchester, NH, area residents with their insurance needs since 2016.

What Does Wall-In Versus All-In Mean on a Condo Insurance Policy Document?

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If you’ve ever looked over your condo insurance policy or your association’s master policy, you might have encountered terms like "wall-in" or "all-in." These terms can be perplexing, especially if you’re new to condo ownership. At AS Insurance Agency in Manchester, NH, we’re here to clarify these differences so you can better understand your coverage and avoid any unexpected surprises.

Understanding Wall-In Coverage

A "wall-in" policy, sometimes referred to as "studs-in" coverage, typically means that the condo association’s master policy covers the exterior structure of the building, including the walls, roof, and shared spaces. However, everything inside your unit—such as flooring, cabinets, appliances, and your personal belongings—is your responsibility. In this scenario, your personal condo insurance policy would need to cover interior fixtures, upgrades, and any damage to the inside of your unit.

What Does All-In Coverage Mean?

An "all-in" policy provides more extensive coverage from the condo association’s master policy. It usually includes not only the building’s exterior structure but also certain interior features of your unit, such as fixtures, flooring, and sometimes even standard appliances that came with the unit. However, it’s important to note that "all-in" policies usually don’t cover your personal belongings, liability, or any upgrades you’ve made to your condo. You’ll still need your own condo insurance policy to fill in those gaps.

The Importance of Understanding Your Coverage

Knowing whether your building’s master policy is "wall-in" or "all-in" is crucial to ensuring you have the right personal condo insurance. If you need help reviewing your coverage or customizing a policy to fit your needs, contact AS Insurance Agency, serving the greater Manchester, NH, area, today. We’ll make sure you’re fully protected, inside and out.

The Importance of Reevaluating Your Motorcycle Insurance Policy in Manchester, NH

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As a motorcycle enthusiast, obtaining and maintaining proper insurance coverage is key to protecting yourself financially. Routinely reevaluating your motorcycle insurance policy is a way to verify that your coverage aligns with the protection you require against evolving risks. If you’re located near Manchester, NH, AS Insurance Agency can help you better understand why reevaluating your insurance policy matters while helping you find coverage that’s just right for your needs.

The Importance of Reevaluating Motorcycle Insurance Policies

Whether you’ve recently invested in a brand-new, upgraded bike or if you want to protect other riders who use your motorcycle frequently, you may need to reevaluate your existing motorcycle policy. This will protect new investments and other riders operating your motorcycle when you are absent. Other reasons you may want to consider reevaluating your motorcycle insurance policy include:

  • Evolving Risks: Risks always change and evolve, even if you’ve lived in Manchester your entire life. Seasonal weather can present weather-related risks that impact riding conditions, whereas traffic density can also heighten the risk of being involved in an accident or collision.
  • Benefits and Discounts: Completing a safety course may help reduce your insurance premium. Additionally, combining your motorcycle insurance with other policies with the help of AS Insurance Agency can result in significant savings.

Understanding why it’s critical to reevaluate your motorcycle insurance policy, whether you enjoy riding for sport or recreation, is vital for any motorcycle owner. If you’re considering reassessing your existing motorcycle insurance policy but are unsure where to start, we can help. For more information about reevaluations and to ensure you’re receiving sufficient coverage yourself, contact AS Insurance Agency for your free quote and consultation near Manchester, NH, today.

The Pros and Cons of Purchasing Health Insurance Through the Health Insurance Marketplace

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Navigating the world of health insurance can be challenging, especially with various options available. At AS Insurance Agency in Manchester, NH, we aim to simplify the process by exploring the pros and cons of purchasing health insurance through the Health Insurance Marketplace.

Advantages of the Marketplace

One of the main benefits of using the Health Insurance Marketplace is the variety of plans available. It allows you to compare different options side by side, making finding a plan that fits your needs and budget easier. Additionally, the Marketplace offers subsidies for those who qualify, which can significantly reduce your monthly premiums.

Another advantage is the standardized coverage. All Marketplace plans are required to cover essential health benefits, such as preventive services, emergency care, and prescription drugs. This ensures a baseline level of coverage, providing peace of mind that your basic health needs will be met.

Potential Drawbacks

However, there are some drawbacks to consider. The enrollment periods are limited, so you must be aware of deadlines to avoid gaps in coverage. Additionally, while the Marketplace offers many options, the choices can sometimes be overwhelming, making it difficult to determine which plan is truly best for you.

There may also be restrictions on healthcare providers and networks, limiting your choices of doctors and specialists.

Making the Right Choice

Choosing the right health insurance plan is crucial to your financial and physical well-being. We’re here to guide you through the process at AS Insurance Agency in Manchester, NH. Contact us today to discuss your options and find the plan that best suits your individual needs. Let us help you make an informed decision for your health and future.

What Happens if You Don’t Have Life Insurance in Manchester, NH?

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Learn about the benefits of life insurance and what can happen if you don’t have life insurance from the experts at AS Insurance Agency in Manchester, NH.

Life Insurance Basics

Life insurance is a form of financial protection that helps survivors to cover the costs of everyday expenses like rent, mortgages, groceries, and utilities. A well-structured life insurance policy helps beneficiaries to cover costs related to funeral and burial expenses, outstanding debts, medical bills, and lost income.

Why You Need Life Insurance in Manchester, NH

Many New Hampshire residents make the mistake of thinking that they are too young to have life insurance or that the costs of having life insurance are too high for them to invest in. There are life insurance policies for people of all ages and income levels.

Your relatives and beneficiaries can find themselves struggling with a mountain of debt related to burial expenses, everyday living costs, and outstanding debts when their loved one passes away without life insurance.

A licensed insurance agent can help you understand the key differences between life insurance policies in New Hampshire.

Term Life Insurance

This form of life insurance is designed to provide coverage for a specific “term.” Term life insurance is one of the most flexible and affordable options available.

Whole Life Insurance

In contrast to term-based life insurance, whole life policies cover the insured and their beneficiaries for a lifetime. These lifelong policies often feature a cash value benefit where policyholders can borrow against their policy in cases of emergency and for qualifying life events.

Contact a licensed agent at AS Insurance Agency in Manchester, NH to learn more about options for life insurance and how life insurance can safeguard your home and family.

Does Your Condo Need Renters Insurance?

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Moving into a new condo brings a wave of excitement, but amidst this thrill, it’s crucial to take steps toward secure living. One of these steps is securing a reliable renters insurance plan that protects your belongings in case of unforeseen incidents. Suppose you’re located in the Manchester, NH area. In that case, AS Insurance Agency is here to guide you in obtaining a policy that matches your needs and ensures assurance and tranquility. Selecting the right renter’s policy is crucial, and our agents are committed to simplifying the process for you.

Depending on the condo you rent, it might be mandatory to possess renters insurance from the owner or property management company. However, even if it’s not required, having a policy acts like a safety net for your possessions. With our experienced agents, you can obtain quotes from various insurers in one place, alleviating the hassle and confusion. This way, you can make an informed choice that suits your needs and get any arising questions resolved.

Rather than stressing over the security of your belongings, we want you to relish settling into your new condo. A sense of security lets you focus on turning your condo into a comfortable home, whether decorating or picking out furniture. Our agents aim to provide this experience with the utmost convenience.

Protecting Your New Condo with Renters Insurance in Manchester, NH

Connect with us today at AS Insurance Agency if you’re in Manchester, NH, and seeking a renters insurance policy. We will explore your options together and assist you in acquiring an appropriate policy for comprehensive protection, enabling you to concentrate on other aspects of your life.

How Worker’s Comp Protects Your Business

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Worker’s compensation insurance, commonly called worker’s comp, is an important type of insurance for every business with employees. Even if you have only one employee, having this type of insurance is best. This kind of insurance policy can save a business from enormous costs. Call us at AS Insurance Agency in Manchester, NH to learn more about worker’s comp insurance.

Coverage for Your Company’s Liability

Worker’s comp policies are liability coverage that pays for the many costs that are due after an employee gets sick or injured at work. Whether it’s an accident of some kind or the employee developed a work-related sickness, the costs can be high. Paying these costs on your business’s behalf protects your business from having to pay expensive bills. These can include lost wages on the part of the employee, legal expenses related to the accident or illness, medical bills, and ongoing therapy for the problem. All of these can cost enough to bankrupt a small business without insurance to pay them. 

How Employees Benefit

A worker’s comp policy benefits not just your business but also your employees. When you have this insurance in place, an employee doesn’t have to worry about what will happen if injured on the job because they know it will be taken care of. They won’t have to worry about the business going out of business because of the costs and being left holding the medical bills. 

Get Worker’s Comp Insurance

When you want to protect your business and your employees against the high costs of accidents and illnesses, you need a worker’s comp policy. Call us at AS Insurance Agency in Manchester, NH, to learn more and get started. 

What Are Common Misconceptions About Umbrella Insurance in Manchester, NH?

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Protecting your loved ones, assets, and investments can seem daunting if you’re unfamiliar with the process of selecting insurance policies. If you’re considering bundling your insurance policies or want to learn more about umbrella insurance, debunking common misconceptions about umbrella insurance policies in Manchester, NH, can help you make an informed decision.

Umbrella Insurance is Only for Those With Significant Assets

While umbrella insurance is optimal for those with a growing portfolio of assets, it’s not a requirement to have significant assets to obtain your own policy. Umbrella insurance policies can protect and preserve the assets you do have so you can continue to grow and expand your portfolio.

Umbrella Insurance Policies are Confusing

Umbrella insurance policies can be extremely straightforward and transparent when working with the right insurance agency and agent in the Manchester, NH area. Your policy will clearly state the additional coverage you are receiving beyond your existing policy benefits.

Umbrella Insurance Policies are Unaffordable

In many cases, umbrella insurance policies can be very affordable, especially when working with the right insurance agency and agent. Some premiums can range from $150 to $300 annually, providing up to $1 million in coverage.

My Insurance Policies are Adequate

Unfortunately, this is not always the case when it comes to auto, business, and homeowners insurance policies. If your basic insurance policy falls short in a major disaster or incident, you’ll have to cover the remaining costs. Umbrella insurance can extend benefits and cover excess costs in your time of need.

If you live in the Manchester, NH, region and are interested in umbrella insurance policies for your household, AS Insurance Agency is here to help. Contact AS Insurance Agency to speak with one of our qualified representatives today to learn more about the common misconceptions regarding umbrella insurance.