When you contact Murvay Insurance for auto insurance, you’ll get the help you need to add to your auto policy to protect you while you drive. The insurance required by the state of California only protects the other drivers on the road and their vehicles; we can customize your coverage to add items like roadside assistance.
Adding Roadside Assistance to Your Policy
When you add items like roadside assistance, comprehensive, and collision coverage to your auto insurance, your policy will protect your vehicle and others on the road. In this case, roadside assistance coverage means your insurance coverage includes payment for a tow truck to assist you wherever your vehicle breaks down – whether you’re in Newport Beach, CA, or driving up the coast to Oregon. The coverage costs little and adds to the safety provided by your insurance policy.
What Kinds of Things Does Roadside Assistance Provide?
If you run out of gas while driving, you phone the toll-free number for the roadside assistance dispatcher, and a tow truck delivers a gallon of gas to you so you can make it to the gas station. Other common covered scenarios include roadside help changing a tire or a tow truck to haul your vehicle to a garage in cases of an accident or a flat that did axel damage. If you lock yourself out of your car, call the toll-free number, and dispatch sends a locksmith.
Contact Murvay Insurance
Contact Murvay Insurance for more information on adding roadside assistance to your auto insurance. You can add this helpful coverage to any auto policy.
More than 20 commercial policy types exist. Which do you need?
At Murvay Insurance, we offer a wide array of commercial insurance to help you protect your Newport Beach, CA business. Commercial insurance sounds misleadingly like a single policy when it refers to a category of policies. More than 20 types of small businesses exist, but your business won’t require every kind of policy.
- Business owner’s policy (BOP): nearly every business acquires this bundle of four common policies that costs less than the policies would separately.
- Business interruption: reimburses a business’ lost income when a named peril causes temporary closure.
- Commercial auto: the business version of auto insurance.
- Builder’s risk/Construction: used when you need to renovate or remodel an existing business structure or construct a new one.
- Crime policy: protection from loss due to burglary, theft, or robbery.
- Debris removal: covers debris removal costs post-peril.
- Directors’ & officers’ liability: covers a business’ legal costs and settlement if a party sues the board of directors or C-level officers.
- Boiler & Machinery/Equipment Breakdown: covers equipment repair or replacement and the losses from business interruption.
- Errors & omissions (E & O): covers court costs and settlements arising from mistakes in product manufacturing.
- Glass: replaces plate glass and broken windows.
- Inland Marine: protects third-party items transported by your business.
- Liability: covers court costs and lawsuits from those injured at your business.
- Malpractice/Professional Liability: covers court costs and lawsuits when an individual incurs an injury because a medical professional does not meet the "proper standard of care."
- Law/Ordinance: covers the cost of a company to reconstruct a damaged property to meet building code standards after a peril caused irreparable damage.
- Property insurance: pays for real property damage by a named peril.
- Tenant’s insurance: pays for building repair when the leasee made building improvements, but the landlord’s employees damaged it.
- Workers’ compensation: every state requires this medical insurance that protects employees when injured on the job.
Contact Murvay Insurance serving Newport Beach, CA to purchase the commercial insurance you need to protect your California business.
Wildfire season seems to be both regular and alarming for modern California. While we can’t always control nature, we can take charge of doing our best to keep our home safe and family protected during this time. Murvay Insurance serves Newport Beach, CA, and wants to provide you with some safety tips for your home this fire season. Check out these ideas inspired by California’s Department of Insurance.
Structural Fire Safety
Make sure your home is safeguarded from fire. You can add many fire-safe features to your structure, such as a fire-resistant roof, ember-resistant vents, and non-combustible exterior wall bases. In addition to providing fire protection, these retrofits can often help reduce your insurance premiums as part of a comprehensive home insurance policy with wildfire coverage.
Landscape Fire Safety
Dried-out plants and wooden debris are essentially kindling to a wildfire. Don’t feed the flames. Instead, learn how to create a fire-resistant zone around your home and outbuildings. Clear combustible materials for at least 30 feet from your physical house. Trim trees, cut back trailing vines, and tear down that old rickety shed. In addition to reducing fire danger, you might also gain the added bonus of increased curb appeal.
Community Fire Safety
Communities are safer with a dedicated fire and emergency plan. Make sure your community understands the clear paths to evacuation in the event a fire approaches. Work with city, county, and forestry officials to minimize fire risk through cleanup events and reduce fire hazards such as backyard pits or fireworks. Utilize a system of volunteers to help lead efforts should an evacuation happen.
Review your fire insurance and make sure your policy is up to date. Contact Murvay Insurance serving Newport Beach, CA today!
The Newport Beach, CA area continues to offer many opportunities and fun amenities for people in the area to enjoy. Having a car will make it easier for anyone to enjoy all it offers. If you purchase a vehicle in this area, having insurance would be a good idea. Various benefits come when you do have an auto insurance plan.
Reduce Your Liability Risks
One important reason to get an auto insurance policy is to reduce liability risks. There is always a chance someone could cause an accident while driving a car. If this occurs, having an auto insurance plan will be helpful as it will give financial support if you are liable for accident damages.
Ensure Vehicle is Covered
You also will want to have an auto insurance plan to ensure your vehicle is covered. If you buy a car, you will want to know that it is protected. A great way that this can be done is by investing in an auto insurance plan. With this coverage, you will get the support you need to replace the car if you incur a loss due to theft or accident damage.
Car owners all over the Newport Beach, CA area must always carry auto insurance. As you are looking for a way to insure your vehicle, it would be helpful to call Murvay Insurance. Many choices come with picking an insurance plan, and Murvay Insurance will give you any guidance you need to build your next plan. This will comfort you knowing that you and your car are properly covered.
Certain commercial insurance policies are required when you own a business in California. There are two types in the state that many companies are required to have to stay legal. If you have a California business, it’s essential to know what these are and whether your business needs them. Call us at Murvay Insurance in Newport Beach, CA to get your commercial insurance.
Workers’ Compensation Insurance
If your business has any employees at all, even just one, you are required to have workers’ compensation insurance for them. This is true whether the employees are part-time or full-time. This insurance gives your business coverage in case an employee has an accident at work and gets injured or develops a work-related illness. When this happens, this insurance will pay for their medical bills and other costs like lost wages so that your business won’t have to. It’s effective protection for your business, and it protects your employees as well.
Commercial Auto Insurance
When you have a business that owns a vehicle, you are required to have commercial auto insurance. This policy must have different amounts of coverage to give you different kinds of protection. A specific minimum amount is required for one person who becomes injured in an accident for your bodily injury liability. There is another amount required for bodily injury liability for all injured people in an accident you caused. There is also an amount required to pay for the damage done to the other party’s property for property damage liability. All of these minimum amounts are very low when compared to other states. Getting a higher amount than the state’s minimum is generally recommended.
Get Your Business Covered
When you need commercial insurance, we’re here to help. Call us at Murvay Insurance in Newport Beach, CA.
When most people think of their home, the first thing that comes to mind is probably the main structure, the house itself. However, in insurance, the home is far more complex than a single structure.
California homeowners often ask themselves what exactly their home insurance covers. Murvay Insurance can help them answer that question and any other questions related to home insurance.
What is covered by home insurance?
The primary type of homeowners policy sold in California has two main sections divided into several sub-categories. The first section can be thought of as the property coverage section. The second section covers liability. We will focus on the property coverage section to answer the question of detached structures.
What is covered by property insurance?
This section has two sub-categories: Dwelling and Other Structures.
Dwelling coverage is designed to protect your home from damages that may occur due to a covered peril. Covered perils include fire, lightning, windstorm, and hail. They also have certain types of vandalism.
Note: Some companies do not cover all of the example perils listed above. Always pay close attention to the exclusions that are listed in your policy.
Other Structures coverage is designed to protect your other structures not attached to your home. Things considered Other Structures include fences, sheds, outbuildings, and guest houses. These structures are protected against the same perils as your home. However, Other Structure’s coverage typically limits a certain percentage of your home’s coverage.
Are you a California resident with another question about home insurance? Reach out to the experts at Murvay Insurance today!
Most would agree that auto insurance has many benefits. Of course, auto liability coverage provides compensation for the damage you may cause to other people’s property and vehicles and personal injury coverage. Conversely, comprehensive and collision insurance covers damage to your vehicle. However, auto insurance doesn’t cover damage to your property. Our Newport Beach CA team at Murvay Insurance understands that all the elements of auto insurance may not be understood by many drivers and are committed to educating Newport Beach, CA drivers.
What’s Covered under a Standard Auto Insurance Policy?
A standard auto insurance policy provides medical, property, and liability coverage. Auto insurance falls into three basic categories: liability, comprehensive, and collision, although there are additional forms of auto insurance. Liability coverage pays for damage or injury you cause to someone else’s property, vehicle, or body. Comprehensive and collision insurance covers damage to your own vehicle. Every state sets its minimum limits when it comes to auto insurance. These are the auto insurance limits that every driver must maintain to drive in the state they reside in legally.
However, if you are a homeowner, damage caused to your property is covered under most homeowners’ insurance policies. If you don’t own a home or don’t have homeowners insurance, you don’t have coverage for damage to your property. However, one of our agents at Murvay Insurance may be able to help you find insurance that could be used to cover personal property damage. Our Newport Beach, CA team knows that drivers have questions regarding what’s covered under an auto insurance policy, and we’re here to answer those questions. Give us a call. We’d be happy to answer your questions.
It is more important than ever to have commercial insurance in today’s world. All sized businesses can benefit from the coverage that commercial insurance provides.
Here’s a look at some advantages commercial insurance can provide for companies in Newport Beach, CA:
1. Protect Your Business Investment
The first and most apparent benefit of commercial insurance is that it protects your business investment. No matter what type of business you have, your equipment, inventory, and property are valuable investments. If something happens to them, commercial insurance can help you recover the cost of repairs or replacement.
2. Safeguard Your Business from Liability
Another significant benefit of commercial insurance is safeguarding your business from liability. If someone sustains an injury on your property or one of your products, they could hold you liable. This means you will pay any medical bills or other damages incurred by the injured party. Commercial insurance can help cover these costs, protecting your business from financial ruin.
A Murvay Insurance agent can help you find the right commercial insurance policy for your business. Contact us today to learn more about commercial insurance and how it can benefit your business.
3. Peace of Mind
Finally, commercial insurance can reduce stress. When you know your business is protected from the risks mentioned above, you can relax and focus on growing your business. Commercial insurance gives you peace of mind, knowing that you are covered in case of a disaster.
These are just a few benefits that commercial insurance can provide for businesses in Newport Beach, CA. If you’re looking for reliable coverage for your business, contact Murvay Insurance today. We’ll work with you to find the policy that fits your needs.
Protecting your home means more than just installing a security system and locking up at night. A solid home insurance policy is one of the best ways to protect the investment you have made. At Murvay Insurance, serving Newport Beach, CA, we can help you better understand this vital type of coverage. Keep reading to learn about some home insurance do’s and don’ts that you should be aware of.
Do Compare Rates
It would be best if you spent some time comparing the rates of different companies. This will be an essential long-term expense that you will invest in. You will want to make sure you are getting the best deal.
Don’t Settle For General Coverage Amounts.
When you are ready to purchase a home insurance policy, you should know that there are both generic and customized coverage amounts. A general coverage amount will include a benefit amount that would equal the expense of repairing or replacing your home should it be lost or damaged. However, this amount of coverage will not consider the value of your personal belongings or anything of value on the property.
You will want to sit down with an insurance agent to get customized coverage. This professional can help you calculate the value of the belongings and upgrades that may have been done to the home.
Do Install Security
Installing a security system could help you save on home insurance costs. The more you make sure your home is safe, the less of a risk you are to the insurance company.
Don’t Let Insurance Lapse.
It is imperative that you always make payments on time to not experience a lapse in coverage.
If you would like to learn more about our services, don’t hesitate to contact us at Murvay Insurance, serving Newport Beach, CA, and the surrounding areas.
In the state of California, you are required to have proof of insurance whenever you operate your vehicle. Acceptable forms of proof include a physical insurance card or a digital copy on your mobile phone. You should be able to produce proof of coverage on the spot anytime it is required by a law enforcement officer or when an accident occurs.
California’s Car Insurance Grace Period
California has a new car insurance grace period of 30 days, so you will not be required to provide proof of insurance as soon as you leave the car lot. This means that you have 30 days from the date of purchase to obtain auto insurance coverage for your new car and provide it to the state DMV. If your previous vehicle was covered under an existing policy, the grace period is extended to 45 days for coverage on your new car. The professionals at Murvay Insurance of Newport Beach CA are available for any questions you have regarding the California car insurance grace period.
Getting Car Insurance Before Buying A Car
However, it is important to note that you are not protected in the event of an accident during the grace period. If you are involved in an automobile accident during the grace period and you do not have insurance coverage, you may be held personally liable for any related costs to that accident. Therefore, you may want to consider buying insurance before you purchase your new car.
Purchasing car insurance before you buy a new car is just as simple as picking out your new car. All you have to do is contact an insurance company and pay for the new policy.
While you may be in a hurry, it is not in your best interest to make a spur-of-the-moment purchase. Obtaining the right coverage requires careful planning and comparison shopping. When you are ready to find the coverage you need, contact Murvay Insurance of Newport Beach, CA for more information.