The Pivotal Insurance Agency LLC

217 West Main Street,
Louisa, VA 23093

mobile-mapGet Directions

Insurance Coverage for Marine Electronics

If your boat is equipped with several electronic items, ensure that your existing boat insurance policy covers them. Guaranteeing that the electronic equipment is covered will provide you with peace of mind and prevent you from needing to replace damaged or stolen marine equipment yourself.

Your Policy

Review the marine electronics coverage that your existing policy provides. A comprehensive boat insurance policy often covers navigational aids and surveillance electronics.

Common Marine Electronics

  • GPS system
  • Fish finder
  • Telecommunication materials
  •  Camera and tracking devices
  • Alarm systems

Limits and Exclusions

Your boat insurance policy will contain a section highlighting the policy limits and exclusions. The policy limits will specify the coverage cap. If your marine electronics are more valuable than the cap, you may want to purchase additional insurance coverage.

The exclusion information that is featured in your insurance policy will specify any types of marine equipment that aren’t covered by the existing policy.

Insurance Add-Ons

Research some boat insurance add-ons that will provide you with supplemental coverage. If you own several pieces of electronic equipment that aren’t covered by your existing boat insurance policy, it will be in your best interest to purchase add-on coverage that will provide the equipment with the coverage you need.

The add-on coverage may protect against wind, rain, fires, theft, vandalism, and other events that could cause damage to your marine electronics.

Agency Assistance

Contact an agent who represents The Pivotal Insurance Agency LLC today. An agent who serves the Louisa, VA region will determine the exact type of coverage needed for the marine electronics installed on your watercraft. They will provide you with a revised copy of your boat insurance policy.

Home Insurance Essentials for Louisa Residents: A Primer by Pivotal Insurance

Protecting your home in Louisa, VA, is of the utmost importance. While you may do everything you can to keep your home safe, your home insurance must also be carefully constructed. The Pivotal Insurance Agency LLC can ensure that you have a policy to rely on.

What a Home Insurance Policy Includes

A standard home insurance policy will cover quite a few things for a home in Louisa, VA. This includes:

  • Coverage for your home
  • Coverage for additional buildings on the property
  • Liability coverage
  • Personal property

Beyond covering those items, your policy will also provide you with living expenses in the event that your home is damaged so badly that you cannot live in it while it’s being repaired.

How to Personalize a Policy

As you explore policies to cover your home, you’ll want to consider how to personalize it based on what makes you and your home unique. For example, if you do a lot of entertaining, you may want to boost the liability coverage. If you have a lot of art or expensive valuables in your home, it may be necessary to increase the personal property coverage.

Taking the time to personalize the coverage levels will provide you with greater peace of mind and minimize out-of-pocket expenses when you do have to file a claim.

Consider Details with the Help of an Insurance Agent

While you may know that your home insurance should cover the entire value of your home, there may be some aspects of buying a policy that you are unsure about.

This is not the kind of policy for which you should guess on coverage. It is what will protect your home.

The Pivotal Insurance Agency LLC has experienced agents who can ensure you think of everything. Call us today to learn more about how we can help.

What’s new in commercial insurance?

Understanding Commercial Insurance and Its Trends for Small Businesses

As a small business owner, you need to monitor global, national, and local trends and events as they can all influence your insurance coverage and rates. It’s critical to spot trends most likely to impact your business, discover ways to curb their effects, and confirm that commercial insurance coverage offers adequate protection. The dedicated team at Pivotal Insurance Agency LLC in Louisa, VA is here to help you find the best insurance options and tailor the coverage to your needs.

Manage What You Can Control

While commercial insurance offers protection when unfortunate events occur, it’s also important to consider risk mitigation. This involves taking steps to avoid those unfavorable events. Two trending commercial insurance areas—weather events and cybercrime—can be managed and risks minimized.

Preparing for Weather Events

Though Louisa isn’t categorized as a high-risk area for extreme weather, businesses should review their insurance coverage for wind, tornadoes, and floods to ensure they are adequately covered, particularly if they’ve recently upgraded their property or equipment. Undertaking a weather-related risk assessment and implementing suitable changes is vital for businesses in flood plains or similar areas.

Understanding and Mitigating Cybercrime

The occurrence and financial impact of commercial cybercrime are both on the rise. Digital intrusion can inflict as much damage as physical break-ins, so it’s a core business responsibility to manage your information resources to avoid damaging your operations and reputation. Cyber threat mitigation can even reduce your insurance premiums.

Work with Pivotal Insurance Agency LLC

Pivotal Insurance Agency LLC serves the small business community in Louisa, VA, and is ready to help you design an insurance plan to safeguard your business venture. We invite you to call us today at 540-967-8770 to discuss your commercial insurance options.

Insuring Your New Electric Vehicle

Are you shopping for an electric vehicle in Louisa, VA? At The Pivotal Insurance Agency LLC, we keep up with the many types of vehicles our customers enjoy, ensuring that they get the auto insurance coverage and personal help they need.

Proud Owner of a New Electric Vehicle?

In the process of putting your EV on the road, there are a number of steps to consider, from taking advantage of incentives to planning for charging the vehicle. Insurance considerations are similar to those of other, similarly-priced vehicles, including making sure that you’re protected for the risks you consider relevant, as well as mandatory state coverage for the Commonwealth of Virginia. You’ll also need to take care of Virginia’s requirements for EV owners, such as alternative fuel tax payments and inspection at a location equipped for EV safety checks. Plus, you’ll need to plan for charging the vehicle’s battery, bearing in mind your expected usage.

Charging Your New EV

For most EVs, owners find the basic charging cable to require too much time for a full charge each day. Charging at public or workplace locations works well for many, but you may also want to have a higher-speed charging station installed at your home. Here, insurance considerations cross over from your vehicle to your Louisa, VA home.

At The Pivotal Insurance Agency LLC, we can help you make sure your home insurance is updated to include this added electrical feature. If you find that the range of your vehicle is plenty with infrequent charging, you may find that you qualify for coverage adjustments for low-mileage drivers as well.

Schedule A Consultation Today

Let’s talk about the optimum insurance coverage for your new electric vehicle and any related coverage changes, and make sure you’re all set for relaxing modern electricity-powered driving.

Do You Have an Adequate Amount of Homeowners Insurance?

Owning a home can be a truly rewarding experience in a person’s life, which is why it’s only natural to want to ensure that you’re protecting your home in every way possible. You’re obviously already aware that you must maintain homeowners insurance on your Louisa, VA home, but do you have an adequate amount of coverage? Here is a brief overview that can help you make that determination. 

Has Your Home Been Appraised?

When you purchase homeowners insurance, you need to ensure it’s enough to cover the true value of your home. Your home should have been professionally appraised prior to closing. If it’s been a while since your last appraisal and you’re unsure of your home’s current value, you could have it appraised again or you can assess your home’s value in other ways as well. 

Another way to determine your home’s value is to realize that the actual value of the property and the replacement cost are not the same. You also need to take how you use your home into consideration as well as your personal belongings and finances. Even after you’ve determined a specific value for your home, you might want to purchase a policy that covers more than it’s worth, just in case. 

Call Today To Discuss Your Options

If you’re a Louisa, VA homeowner and you’re seeking a new insurance agent, we at The Pivotal Insurance Agency LLC are accepting new customers. We pride ourselves on going above and beyond to provide our customers with the absolute best in service and coverage, and we’re ready to provide the same for you. Contact us at The Pivotal Insurance Agency LLC today, so we can provide you with a quote as well as answer any questions that you may have. 

Key Things to Know about Commercial Cyber Insurance

It is challenging to operate a business today without using computers. We use them to advertise, order supplies, take orders, and interact with customers and the broader community. That interconnectedness allows us to run businesses in ways unimagined in the past. Still, it exposes us to the threat of cybercrimes that can interrupt our operations and harm our businesses.

If you live in or near Louisa, VA and want to protect yourself against the financial effects of cybercrime, our team at The Pivotal Insurance Agency LLC is ready to serve you.

What is Cyber Insurance, and Who Needs it?

Commercial cyber insurance protects businesses against cybercrime, including various threats, such as using computers to steal information or keep an enterprise from using its computers and data effectively. Cybercrime presents a risk for any company that uses computers to store information or access information on networks or the cloud. 

Cyber insurance has three primary components to cover various losses:

-First-partyYour direct costs for investigating attacks, notifying customers, lost revenues, and ransomware payments.

-Third-party or cyber liability: An attack on your business may harm others, so it covers attorney fees, settlements, and losses suffered by customers or suppliers.

-Errors and omissions: Focused on technology businesses, this coverage protects against losses others suffer when using your products or services that contain faulty logic, code, or other errors.

To qualify for commercial cyber insurance, insurance companies often require companies to take specific preventive measures to qualify for cyber insurance; further preventive measures can bring discounted premiums.

We Are Here To Help

The Pivotal Insurance Agency LLC handles many customers’ business and personal insurance needs in the Louisa, VA area. Call today to discuss an insurance plan that protects your business and personal assets.

Car Insurance and Holiday Travel: What to Know

With the holiday season just around the corner, many Louisa, VA residents are preparing to travel to see friends and family or take a much-needed getaway. However, with the excitement of the holidays and the planning required to bring everything together, car insurance is the last thing on many drivers’ minds.

By taking a moment to look over your current policy before heading out on your trip, you can ensure that you’re prepared for anything that comes your way. The team at The Pivotal Insurance Agency LLC is here to help you gather the information you need before you travel.

Ensure You’re Protected Before You Hit the Road

When taking your car on a long trip, there are a few things that you have to know: who and what is covered, and what happens if an accident occurs in another state. Generally, your current policy will still cover damage that occurs when another driver is behind the wheel unless otherwise stated.

Similarly, your policy will still work if your accident takes place in a state that is not your home state. Even though each state has its own laws surrounding minimum coverage, it’s unlikely that you’ll be punished for not reaching that requirement. All that being said, how your policy handles things like towing, rental costs, and roadside assistance in other states may vary. Because of this, it’s important to make sure you understand the specifics of your policy before traveling.

Get the Right Coverage for Your Needs

If you’re in the Louisa, VA area and are looking for a policy that better suits your needs, contact The Pivotal Insurance Agency LLC today! We’ll work with you to compare policies from a variety of providers to ensure you get the coverage you need at an affordable price.

Who needs to have boat insurance in Virginia?

In the Louisa, VA area, most people will find that owning a boat can be a good idea. If you are a boat owner in this area, you will want to know you are safe when operating it and protecting your boat as well as you can. A great way this is done today is with insurance. There are many reasons someone here may need to have a proper boat insurance plan. 

Ensure the Boat is Covered

An important reason anyone will want to have a boat insurance plan when they are in this state is so they can ensure their boat is covered. If you choose to buy a boat when you are here, a boat insurance policy is a good option as it can ensure you have support if the boat is stolen or damaged in any type of accident. This could prove to be a valuable financial resource in the future. 

Reduce Liability Risks

It is also a good idea to get a boat insurance plan if you would like to offset your liability risks. Any boat owner will take on the risk of causing an accident and damage when operating the boat. If you are properly covered with boat insurance, you will receive liability insurance that will cover damages that you could cause. 

Consult With Us

It is very important for any boat owner in the Louisa, VA area to have the right coverage to have peace of mind and protect their asset. As you are ready to begin your search for a new plan, you can call us at The Pivotal Insurance Agency LLC to learn far more about your options. When you are looking, our team with The Pivotal Insurance Agency LLC will ensure you get into a plan that properly secures your boat and offers the right protection. 

Tips to make your home more energy efficient

Making your home more energy efficient is an important part of living a sustainable lifestyle here in the Louisa, VA area. If you’re looking for ways to reduce your carbon footprint, here are some tips from us at The Pivotal Insurance Agency LLC to help you make your home more energy-efficient. 

Tips to make your home more energy efficient

1. Install energy-efficient lighting:

Making the switch to LED lightbulbs is one of the simplest and most cost-effective ways to increase your home’s energy efficiency. LED light bulbs use up to 85% less electricity than traditional incandescent bulbs, and they last up to 25 times longer. 

2. Upgrade your appliances:

If your appliances are several years old, it may be time to upgrade them with more energy-efficient models. Look for ENERGY STAR-certified appliances, which use 10–50% less energy than standard models. 

3. Adjust the temperature:

During the summer months, set your thermostat as high as comfortably possible—ideally 78°F or higher—to minimize your air conditioning costs. In the winter, try setting it lower at 68°F or lower when you’re at home and even lower when you’re away from home or asleep. 

4. Add insulation:

Adding insulation in walls and ceilings is an easy way to keep heating and cooling costs down by minimizing the amount of heat transfer between indoors and outdoors in both winter and summer months. 

5. Unplug electronics:

You should unplug electronics like computers, TVs, phone chargers, printer cables, etc., when not in use as they still draw small amounts of power even when switched off or in standby mode—an issue known as vampire power or phantom load.

Consult With Us

For more tips or to find an insurance policy to cover your house, give us at The Pivotal Insurance Agency LLC a call today. We are proud to serve the Louisa, VA area.

How Much Commercial Insurance Coverage Do I Need?

If you’re the owner of a business in Louisa, VA, whether your company is new or already established, then you’re required to have commercial insurance. There are different types of commercial insurance available, and the type or types of this commercial insurance that you should opt for will depend on many different factors. There is general liability insurance, commercial auto insurance, and workers’ compensation, among others.

Trying to determine which type to get for your business as well as the amount of coverage can be daunting, especially for new business owners.

Here is a guide that can help you decide:

Determine the Value of Your Property

Having the physical building where your business is housed appraised by a professional is an easy way to determine the value of your property. However, when it comes to determining the value of everything inside the building, that can be challenging. Some appraisers can make that determination for you as well. Only after you’ve come up with a total figure can you determine how much commercial insurance you need. 

Some Other Things to Consider

When determining how much commercial insurance coverage you need, you must consider the following:

  • The occupancy of your building
  • Whether your business has vehicles that are specifically for business
  • How much do you expect to earn in the future?
  • The type of business that you conduct.

If necessary, you might need to consult with a broker or agent with expertise in making such determinations for a more accurate amount. 

It can be difficult to determine how much commercial insurance coverage you need, as you don’t want to purchase too little, nor do you want to waste money and obtain too much. Hopefully, this guide was helpful for you, and if you’re seeking a new insurance provider, we are here to help.

The Pivotal Insurance Agency LLC Is Here To Help!

We at The Pivotal Insurance Agency LLC provide coverage for the Louisa, VA area. We can meet all your needs regardless of the type of insurance you need. We have been providing a variety of insurance for years, and we’re ready to extend the same great service and coverage to you.