Vacant Property Insurance

Airplane Insurance

Airplane insurance can safeguard against the unique risks associated with aircraft ownership and operation. Just as car owners carry auto insurance, airplane owners and operators must secure insurance coverage to protect themselves, their assets and third parties in case of accidents, damage or liability. Understanding the intricacies of airplane insurance is crucial for those involved in aviation, whether they are private pilots, commercial operators or aviation enthusiasts.

What Kind of Insurance Do You Need for a Plane?

The following are some types of insurance you might need for owning and operating a plane:

Airplane hull insurance can protect from physical damage to the aircraft itself. It can cover damage or loss due to accidents, theft, vandalism and other specified perils.
Airplane liability insurance can cover bodily injury or property damage that you or your aircraft may cause to others while operating the plane. Aircraft liability insurance can include coverage for passengers, pedestrians or other third parties.
Passenger liability insurance can cover bodily injury or property damage claims that passengers may file against you or the aircraft’s owner.
Hangar keepers insurance, typically retained by a hangar, can protect the aircraft if damaged while in the hangar owner’s care, custody or control.
Medical payment coverage can cover medical expenses resulting from injuries sustained by passengers or crew while on board the aircraft.
Non-owned aircraft insurance can protect you if you’re held liable for an accident or damage while operating someone else’s aircraft.
Avionics and equipment coverage can cover the avionics and specialized equipment installed in the aircraft, such as radios, navigation systems and other onboard electronics.
Personal injury liability can protect you from lawsuits related to personal injury claims that may arise from aviation-related activities.

The specific insurance requirements and options may vary based on the type of aircraft you own or operate, its intended use (e.g., private, commercial, cargo or passenger transport) and local regulations.

How Much Is Airplane Insurance?

The following are some of the factors that influence the cost of airplane insurance:

Make, model, and age of the aircraft
Intended use
Pilot experience
Coverage limits
Deductibles
Geographical location
Claims history
Security measures

To get an accurate aircraft insurance quote, work with an insurance broker or agent who can assess your situation.

How to Get Airplane Insurance

Contact The Bush Agency to discuss your aircraft insurance options. We proudly serve Savannah, Pooler, Garden City, Bloomingdale, Tybee Island, Pt. Wentworth, Rincon, Richmond Hill, Hinesville, Sandersville and the surrounding cities in Chatham County, Georgia. We can make policy recommendations based on your specific insurance needs.

Agriculture Insurance in Savannah

Business insurance can encompass a wide array of policies aimed at minimizing financial losses arising from different risks. Whether you’re managing a startup or a well-established corporation, having the right insurance coverage can be the difference between survival and devastation when confronted with challenges.

What Does Business Insurance Cover?

Business insurance comprises various policies aimed at shielding companies from financial losses. It commonly includes coverage for property damage, liability, business interruption and employee-related risks. Property insurance can offer financial protection for physical assets such as buildings, equipment and inventory.

Meanwhile, liability insurance can assist in covering legal expenses in case of lawsuits against a business. Business interruption insurance can compensate for lost income during disruptions (e.g., severe weather). Workers’ compensation and professional liability insurance can also address employee injuries and errors, respectively.

How Much Is Business Insurance?

The following factors can influence the cost of business insurance:

Industry—Different industries may face varying levels of risk, affecting insurance rates.

Business size—The number of employees and revenue can impact costs.

Claims history—A history of claims can influence premiums.

Property value—The value of your business property matters.

Location—Geographic location typically affects rates.

Coverage needs—The types and levels of coverage you select can play a role.

Risk management practices—Effective risk management can help control costs.

What Are Some Common Mistakes to Avoid When Purchasing Business Insurance?

When purchasing business insurance, it’s essential to avoid the following common mistakes that could leave you vulnerable:

Underestimating your coverage needs

Focusing solely on the cost of coverage

Failing to review policy exclusions

Underestimating property value

Neglecting coverage updates

Skipping cyber liability insurance

Assuming personal insurance covers a business

Overlooking business interruption insurance

How to Get Business Insurance

Contact RM Bush and Company to discuss your business insurance needs today. We can help you avoid common mistakes when choosing coverage.

Windstorm Insurance

Severe weather is a consistent risk for many homeowners. Windstorms in particular are among the most common dangerous weather conditions. High winds can cause serious damage to various parts of your home. Fortunately, having the right insurance coverage can protect you from windstorm-related losses and expenses.

What Is Windstorm Insurance?

As its name would suggest, windstorm insurance provides coverage for homeowners whose property suffers damage due to high winds. This protection can help policyholders recoup expenses arising from damage to the following:

Roofs
Windows
Possessions inside your home
Detached structures, such as garages and sheds

Every policy is different, so it’s essential to work with your agent to learn what is covered under your plan.

Get the Right Coverage

Windstorm coverage is often included in standard homeowners insurance, but you must check the details of your policy. Additional protection may be necessary for certain geographical areas where extreme weather is more common. Contact R.M. Bush & Company Inc today to learn more and ensure your home is adequately covered.

Toy Vehicle Insurance in Savannah, GA

Toy vehicles offer endless fun, but they can also be involved in accidents like full-sized vehicles. That’s why toy vehicle insurance is crucial—it may help protect against potential liabilities and damages if a toy vehicle accidentally causes property damage or injury.

What Is Toy Vehicle Insurance?

Toy vehicle insurance is a type of policy that may provide financial aid to the owners of small, motorized vehicles that people use for fun and recreation. It may cover damage, theft and liability associated with toy vehicles. Unlike standard auto insurance, toy vehicle insurance specifically addresses issues related to the unique nature of these smaller, often less-regulated vehicles.

Is Toy Vehicle Insurance Required by Law?

Toy vehicle insurance is not legally required in most cases. However, it is highly recommended to safeguard against potential liabilities. Even though local regulations may not mandate it, having insurance can help you manage risks and provide financial security following an accident or damage.

What Types of Vehicles Are Covered Under Toy Vehicle Insurance?

Toy vehicle insurance typically covers a range of small, motorized vehicles, including:

Mini motorcycles and dirt bikes

ATVs and go-karts

Jet skis and other personal watercraft

Golf carts

Small boats

Snowmobiles

Each policy may vary, so be sure to check the specifics of coverage to ensure that all types of toy vehicles you own are included.

Learn More

For more information on toy vehicle insurance, contact The Bush Agency today. Our team is ready to help you find a policy that best suits your needs.

Workers’ Compensation Insurance in Savannah, GA

A healthy and capable workforce is integral to your organization’s productivity, prospects and profits. However, even the safest and most well-planned workplaces may eventually experience accidents and mishaps resulting in employee injuries or other ailments. When workers are injured or become ill on the job, it can have far-reaching financial ramifications, often requiring the aid available through a suitable workers’ compensation insurance policy.

What Does Workers’ Compensation Insurance Cover?

Many types of injuries and illnesses could befall your workforce on any given day, whether during a special assignment or routine tasks. Regardless of size or sector, no company can guarantee the prevention of work-related health issues. Fortunately, most workers’ compensation insurance policies can provide multifaceted financial protection from many common ailments, including the following:

Sprains

Strains

Fractures

Contusions

Lacerations

Burns

Repetitive stress injuries

How Does My Policy Work?

Following a work-related injury or illness, affected employees can submit a claim against your company’s workers’ compensation insurance policy. If approved, the resulting payouts may help manage the following losses and expenses:

Health care bills

Lost wages

Disability benefits

Vocational rehabilitation costs

Death benefits

Additionally, if employees choose to sue your business, alleging you’re at fault for their injuries or illness, your policy’s employers liability coverage may help pay for company legal costs, including attorney fees, settlements and court-ordered judgments.

How Much Does Workers’ Compensation Coverage Cost?

Workers’ compensation insurance rates can vary significantly, as carriers must thoroughly analyze your business’s unique circumstances and calculate risk levels. In many cases, the following criteria may be weighed significantly:

Industry

Size of workforce

Experience level of employees

Total payroll

Workplace safety measures

Claims history

Coverage limits

RV and Boat Insurance in Savannah, GA

Whether cruising the open highways or setting sail on tranquil waters, safeguarding your recreational vehicle (RV) or boat is essential. But, if you’re finding it hard to navigate the twists and turns of insurance, RM Bush and Company may be able to help you find the best possible policy for you.

What Is RV and Boat Insurance?

RV and boat insurance are types of coverage that can help protect you from financial losses if your property is lost or damaged by a covered event.

RV insurance typically provides coverage for camper vans, motorhomes and trailers, providing financial protection against liability, property and personal damage insurance claims. Boat insurance often provides coverage for passenger injuries or damage caused to other boats.

Specifics of your coverage may vary—especially between RV and boat policies. In general, your policies will typically include the following:

Comprehensive coverage may protect you from losses due to fire, theft, vandalism and certain weather events.

Collision coverage may cover the financial cost of certain damage if you collide with another vehicle, vessel or object. Keep in mind that the definition of what constitutes a collision can vary between RV and boat policies, so it’s essential to review your policy language alongside an insurance expert.

Liability coverage may cover expenses if you cause bodily injury or property damage to others.

Uninsured/underinsured motorist coverage may protect you if you are hit by a driver with insufficient insurance. This is typically applicable to RV insurance and is not generally standard in boat insurance unless specifically included.

How Much Does RV and Boat Insurance Cost?

The following factors can influence the cost of RV and boat insurance:

Age of the boat or RV

Coverage options

Driving record and experience

Frequency of use

Liability limits, deductibles and additional protections

Your location

Value of the boat or RV

Having a bundled policy, completing safety courses, and maintaining a good credit score may help you save on premiums.

Contact Us Today

Reach out to us at RM Bush and Company if you’re looking for a personalized quote.

Renters Insurance in Savannah, GA

If you’re renting, you’re not covered by your landlord’s insurance policy in most cases. Renters insurance bridges this gap—it protects you financially by insuring you and your personal belongings from damage or liability claims. At R.M. Bush & Company Inc, we’re here to help renters like you get the most appropriate policy that suits your needs.

What Does It Cover?

Renters insurance may cover tenants living in rented apartments, condominiums or single-family homes. It can also cover residents who are subletting their units or homes to another tenant.

A standard policy may offer the following coverages:

Personal property coverage may cover the repair or replacement of your appliances, clothing, electronics or furniture if they are damaged by fire, plumbing issues, theft, vandalism or certain weather events.

Personal liability coverage may cover the necessary costs if you’re held liable for a third party getting injured while on your rental property or causing property damage to someone else.

Loss of use coverage may cover your food, shelter and other expenses if your rental property becomes uninhabitable due to a covered risk.

How Much Does It Cost?

The cost of renters insurance in Savannah, GA can differ depending on your insurer and coverage limits. Your insurer may also consider the following factors when calculating your rate:

Your location

Your claims history

Your credit-based insurance score

Your pets, if any

Your deductible

Here are some ways you can reduce your renters insurance premium:

Maintain a good credit score.

Increase your deductible.

Bundle your renters policy with your current auto policy.

Install smoke detectors and safety alarms in your rental property

Choose a policy that insures the actual cash value of your belongings.

Learn More About Renters Insurance

Get in touch with R.M. Bush & Company Inc today to explore your options or request a quote.

Motorcycle Insurance

If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live. Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about motorcycle insurance or get a quote.

What Is Covered Under Motorcycle Insurance?

The coverage provided by your motorcycle insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:

Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle
Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist
Property damage to your motorcycle caused by a collision with another object
Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses
Roadside assistance
Towing
Trip interruption expenses
Additional or specialized equipment

Contact our agency today to learn more about the protections that may be available to you.

Why Do You Need Motorcycle Insurance?

Depending on where you live, motorcycle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts. Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.

How To Get Motorcycle Insurance

If you need a motorcycle insurance policy, we’re here to help. Call R.M. Bush & Company Inc to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.

Life Insurance

A little preparation can make a big difference for your loved ones if you pass away unexpectedly. Life insurance coverage is one way to ensure your family is taken care of after your death. Contact The Bush Agency in Savannah, Georgia, to learn more about our life insurance policies.

What Is Life Insurance?

Life insurance can benefit your loved ones in numerous ways. For example, a standard policy can provide financial support to family members who depend on your annual salary for financial stability. It can help pay for your estate taxes and any outstanding debts. It can even help you create an inheritance to pass your wealth and assets to chosen beneficiaries.

How Does Life Insurance Work?

Life insurance is a binding agreement between you and your insurance company. They agree to provide a death benefit to your chosen beneficiaries if you pass away while your policy is active. The exact duration of your policy and other policy details will vary with your insurer and the type of life insurance coverage you buy.

Types of Life Insurance

There are two primary life insurance coverage options for you to choose from, including the following:

Term life insurance coverage provides coverage for a set amount of time, such as 20 or 30 years. At the end of your term, your insurer will no longer offer death benefits when you pass away. Term life insurance is typically the less expensive coverage option.
Permanent life insurance coverage, also known as universal life insurance or whole life insurance, provides coverage for the duration of your life as long as you continue to make premium payments. Although generally more expensive than term life insurance, permanent life insurance coverage may have additional benefits, such as the ability to accrue wealth by withdrawing money or borrowing against your life insurance policy.

Both policies may have a level premium, meaning your insurance costs will stay the same over time, even when you’re older and require more coverage.

Ask your insurance agent which type of life insurance is best for your needs.

Getting Covered

Choosing a life insurance policy to protect your loved ones may seem overwhelming. We’re here to help. Contact The Bush Agency for a life insurance quote tailored to your needs.