There are many new businesses in Memphis, TN that need employee insurance. If you are one of them, contact us at Keltner Insurance. We can help to provide you with a guide towards getting the kind of policies outlined below.

Getting Health Insurance

First of all, your employees need high-quality health insurance. Try to find company plans that suit your business size and type. There are many bundles available on the market, so don’t be afraid to do a little shopping to find one that is right for you.

Workers’ Compensation Insurance

Just about any business is going to need a workers’ compensation insurance policy in place. These types of policies help to provide you with cash when one of your employees is hurt on the job site. This cash gives them the ability to recover without suffering from financial difficulties.

Unemployment Insurance Taxes

Paying unemployment insurance taxes ensures that your employees are safe if you have to let them go for any reason. These policies usually kick in if you pay at last $1,500 in wages during one quarter of a calendar year. The insurance rates will vary depending on the size of your business, so make sure that you talk to your state officials first.

Disability Insurance

This type of insurance is different than workers’ compensation because it kicks in if your employees are injured or sick outside of something that happened during work. It helps to make sure they get the rehabilitation that they need to manage their treatment and get back to work. Shop around a bit to find the best rates.

Let Us Help You Get Total Employee Coverage

If your Memphis, TN company needs the kind of high-quality insurance your employees deserve, contact us at Keltner Insurance. We can find a policy that works well for you.

When you are purchasing motorcycle insurance, it is important that you understand what is and is not covered by the policy. One of the questions that we at Keltner Insurance, serving the greater Memphis, TN area, are often asked is whether motorcycle insurance covers any motorcycle accessories. 

As a general rule of thumb, motorcycle insurance does not cover any motorcycle accessories. The policy typically only covers factory issued items that come with your motorcycle. If you add any new tires or rims, saddlebags or accessories, like stem covers, these are not covered by your regular motorcycle insurance policy. However, this does not mean that there is not a way to protect or cover them. 

If you have accessories on your motorcycle that are pricey, you may want to consider an add-on policy that covers motorcycle accessories. Accessory add-on policies allow you to cover any accessories that you add on to your motorcycle, as long as you include them in the policy. When you take out the policy, you will be asked to include a list of add-on accessories you have that you wish to cover. You will then need to update the list as you make changes to your bike. This is the best way to ensure that all of your add-ons and accessories are covered in the event of theft or an accident. 

If you are looking to purchase a new motorcycle insurance policy or are looking to purchase an add-on policy to cover your motorcycle accessories in the Memphis, TN area, Keltner Insurance can help you. Contact us today to schedule an appointment to sit down and discuss your insurance needs and let us find you the coverages you need to fully protect your motorcycle and accessories. 

If you are going to hit the open road in an RV, there are some things you should know before purchasing insurance. It is the law that you must maintain a minimum liability coverage in every state, but depending on the circumstances, you may need to consider what the insurance will cover and if your contents are also covered.

Covering Your Assets

If you are planning on having personal belongings with a high dollar value on board your RV, you are going to want to choose comprehensive insurance. Comprehensive insurance will cover you in the event of theft or fire, for instance, and will provide protection up to the covered dollar amount. If you have liability only, you are only going to cover any damage you cause to another vehicle. Make sure that you take into consideration the dollar amount of belongings such as stoves, refrigerators, and other belongings that will have a high cost to replace.

Living In Your RV?

If you are going to live in your RV, you are going to want to purchase full-time insurance. This is a complete insurance package that is designed to protect your RV much like homeowners’ insurance protects individuals who own a house. When you carry full-time insurance, you need to worry less in the event of an incident where you need complete protection. The cost for this coverage can vary, however, based on the class type you need. Luxury RVs would require class A for instance, and class B would be for travel trailers, campers, and vans. Class C is designed for cargo vans and other similar situations. For more information on RV insurance, or help with deciding which type is best for your needs contact Memphis, TN, Keltner Insurance.

Get helpful service from knowledgeable insurance agents from Memphis, TN, Keltner Insurance. Get out there and enjoy life in your RV without having to worry about your insurance coverage.

 

Many people who own a motorcycle get a bit confused when it comes to insurance. What they fail to realize is that motorcycle insurance is just as important as auto insurance. In fact, the two are very similar. For now, let’s take a moment to take a quick look at motorcycle insurance, including whether or not it has a deductible. 

What is motorcycle insurance?

Just the same as auto insurance provides protection for your car, truck, or SUV, motorcycle insurance provides protection for your motorcycle. There are many reasons as to why you may need to take advantage of motorcycle insurance, including if you are in a collision that is your fault. Also, if you are in a collision that is not your fault but the other driver doesn’t have insurance, your insurance policy can prove to be of the utmost value. If you have full coverage insurance on your motorcycle, you will likely have comprehensive benefits as well, meaning if you hit a deer on your bike, coverage can be paid out to pay for the damages. As you can see, motorcycle insurance will be beneficial in a number of circumstances. 

What about a deductible?

Your insurance policy will come with a deductible, but most times, you will be able to adjust this deductible to meet your needs. For example, the higher the deductible, the lower your monthly insurance payment will be. The lower your deductible, the higher your monthly insurance premium is going to be. Many people choose a deductible anywhere between $500 to $2,000.

To learn more about motorcycle insurance, please contact Keltner Insurance serving the Memphis, TN area. 

 

Renting a condo is a great way to get a fantastic space to live in all while not having to worry about owning a home. Condos are a fantastic space but they require the same insurance that you would need if you were a renter or if you were to own a home. For those that live in the Memphis, TN area, the agents with Keltner Insurance can help you to find the perfect insurance policy for your condo rented or owned.

For those that own a condo, condo insurance is a must. For those that rent a condo, insurance is still a great idea. Insurance is the best way to protect the interest of those that are renting should something happen to destroy or ruin the living space. For renters of any type, insurance is always a good idea even if the home is insured by the owner of the property.

Though you may not need a condo policy that is meant for those that own a condo, you can still get renters insurance that is geared toward renters of condos. It is always best to talk with an agent about what sort of policy you may end up needing so that you can get the perfect coverage for your particular needs. Though you might think you need a huge policy, generally you only need insurance to cover the cost of your personal property within the condo and to help cover any issue or any injury that might occur in the space.

For those that live in the Memphis, TN area, the agents with Keltner Insurance can help you to find the perfect insurance policy that can help to cover your items and your property should something happen in your condo or the condo that you are renting.  

Although you may be on the fence with regards to purchasing a life insurance policy, there are plenty of benefits to doing so. For residents of Memphis, TN, the following is a closer look at the three of the top reasons to purchase life insurance.

Final Resting Costs

Firstly, one of the most common reasons for purchasing a life insurance policy is that it can be used to cover costs after you pass away. Rather than leaving these costs on the shoulders of your loved ones, many believe the responsible thing to do is to set up a policy which can be used by your family to cover not only funeral expenses, but other bills associated with the death of a loved one. 

Leaving an Inheritance

Moreover, purchasing a life insurance policy is an excellent way to ensure your loved ones are able to take care of themselves after you’re gone. In you are worried about how your children, spouse, or anyone else who may be financially dependent on you, will be able to fend for themselves once you’re gone, purchasing a life insurance policy can give you the peace of mind you are seeking.

Maintain Coverage

Lastly, by keeping up with the premium each month, you will ensure that you maintain coverage for the remainder of your life. The premium is a very small price to pay for such a huge benefit.

Overall, for those living in Memphis, TN, let Keltner Insurance be your got- for all your insurance needs. Proudly serving the Tennessee area, contact Keltner Insurance today to find out how you can start your policy at once and hopefully save some money in the process. 

All businesses whether big or small face a lot of risks. It is, therefore, critical to insure your business. Often, Small business owners tend to overlook this since it is an added expense but, that should not be the case. Small businesses are the backbone of any economy, and they should take insurance very serious because, without them, there is no future for our economy.
Here is a glimpse of some of the reasons as to why insuring your business is important.
•    Cover for liability
Third parties such as workers and customers are a part of your business’s daily activities. With insurance, they are protected from any accident that may occur to them without harming your firm with a series of lawsuits.
•    Avoid closure
Your business premises and other properties are subject to destruction by natural and artificial ways such as by fire, floods, lightning and much more. This destruction will lead to the closure of your business. Insuring these risks ensures the continued survival by helping it get back on its feet.
•    Reduce Risk of making losses
Sometimes making losses can be inevitable. Losses can be caused by theft or fluctuation of the economy which causes a sudden fall in your products’ prices.  Insuring can cover this risks to avoid losses.
•    Protection from Professional liability
In the case of small professional firms such as lawyers, real estate, accountants, hair salons and notaries, insurance cover is crucial for defense and damages for poorly rendered services.
•    Legal requirement
Different states have different laws but almost if not all require you to protect your business as well as your workers from any damages or risks that may occur.
With so many uncertainties, your small business needs protection so as to operate and survive successfully.  By law, such protection is offered by legally registered insurance companies. Memphis, TN, Keltner insurance is one of the registered companies which offer insurance policies to small businesses to cover various risks that may occur. We serve cities such as Tennessee, Mississippi, South Carolina, and Arkansas. For more information, please visit or contact us on our website.