Business Insurance

Farm Insurance

Farm Insurance in Chesterland, Oh and surrounding areas
ItÕs Your Livelihood. Make Sure ItÕs Protected.
Whether youÕre a local grower or a large cultivator, we understand the value of insuring your greatest asset. At Luczkowski Agency Insurance and Financial Services, weÕre dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected Ð so you can focus on maintaining a smooth operation.

We know that you work hard as a farmer, and at Luczkowski Agency Insurance and Financial Services we want to extend that same courtesy to you by keeping your farm and everything on it insured. Our insurance specialists are sensitive to your individual needs and will work with you to find a policy that best suits your farm or ranch.

Designing a specific policy with us gives you the options of coverage in the following areas:

Crop Insurance
Farm Owners Insurance
Farm Livestock Insurance
Equine Insurance
Farm Equipment Insurance
Farm Dwelling Insurance
Farm Structures Insurance
Farm Auto Insurance
Farm Umbrella Insurance
Farm Liability Insurance
Why Farm Insurance?
Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it, itÕs important to be prepared when potential problems arise. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an unforeseen circumstance disrupts your operations.

YouÕve worked hard to build your farm into a business. Luczkowski Agency Insurance and Financial Services will work even harder to ensure that your business is protected.

We provide insurance solutions for farmers near Chesterland, Chardon, Newbury, Kirtland, Mayfield Heights, and Willoughby.

Farm Owners Insurance

Farm Owners Insurance in Chesterland, Oh and surrounding areas
YouÕve Made It Your Living. Keep It Protected.
There are probably a lot of reasons for why you chose to make your living on the farm Ð from the independence and freedom that comes with owning your own business to knowing the value of a hard dayÕs work. At Luczkowski Agency Insurance and Financial Services, weÕre in the business of seeing yours succeed. We know that your farm or ranch provides a valuable service to the community, and weÕd like to return the favor by offering you the comprehensive protection you deserve.

A Farm Owners policy from Luczkowski Agency Insurance and Financial Services is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage.

Dwelling
For most people, a farm is more than a place to work Ð itÕs also where you lay your head after a long day. Under the dwelling portion of your Farm Owners policy, Luczkowski Agency Insurance and Financial Services will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.

Personal Property
Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.

Liability
Liability protection from Luczkowski Agency Insurance and Financial Services helps pay for legal fees, medical expenses, and other losses that you may be held liable for that result from covered injuries or damage to other peopleÕs property. Further coverage options, including employee injury liability, are available for an additional premium.

Farm Equipment Insurance

Farm Equipment Insurance in Chesterland, Oh and surrounding areas
Keep Your Equipment Running Strong.
As a farmer, you rely on your equipment to run like clockwork. But in the event of equipment breakdown or failure, it can be difficult and expensive to repair. Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself.

At Luczkowski Agency Insurance and Financial Services, weÕre dedicated to the success of your farm or ranch, and we understand that equipment breakdown can mean lost income. ThatÕs why we design comprehensive insurance policies to keep farms running smoothly in the event of an accident. Equipment breakdown coverage goes beyond your standard Property Insurance policy to protect against damage caused by power surges, mechanical breakdown, motor burnout, and even operator error.

Equipment and machinery included under a Farm Equipment Insurance policy includes, but is not limited to:

Heating and Cooling Systems
Production Equipment
Boilers, Pressure Vessels, and Water Heaters
Pumps
Electrical Distribution Systems
Refrigeration Equipment
Contact Luczkowski Agency Insurance and Financial Services today to find out how a Farm Equipment Insurance policy can keep the productivity of your farm moving.

Commercial Auto Insurance

Commercial Auto Insurance in Chesterland, Oh and surrounding areas
Peace of Mind for Businesses On the Road.
Luczkowski Agency Insurance and Financial Services understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly Ð but accidents do happen.

To prevent losing your hard-earned revenue due to an auto accident, youÕll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Luczkowski Agency Insurance and Financial Services, weÕll work with you one-on-one to create a customized policy that may include:

Bodily Injury Liability
Medical Payments
Personal Injury Protection (PIP) Coverage
Comprehensive Coverage
Collision Coverage
GAP Coverage
Uninsured and Underinsured Motorist Coverage
Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your companyÕs care, control, or custody Ð for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, itÕs important to discuss your businessÕs options with a specialist at Luczkowski Agency Insurance and Financial Services who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure itÕs protected with Commercial Auto policy from Luczkowski Agency Insurance and Financial Services.

Errors and Omissions Insurance

Errors and omissions refer to mistakes, negligence, or discrepancies in a businessÕs accounting records, which can possibly be interpreted as fraud and lead to legal action. Business owners and executives have several legal and financial responsibilities that accompany their roles, and if they fail to fulfill these responsibilities by inaccurately reporting income, errors and omissions insurance will reimburse a business for problems arising from these fiduciary oversights.

As a business owner, you know how important it is to live up to your promises. Consumer trust is a key part of earning repeat business, which in turn helps to create a stronger, healthier, and more profitable company.

Errors and omissions claims have been trending higher in recent years, with multiple‰ÛÔmillion dollar lawsuits being filed more frequently than ever before. Accordingly, most businesses need to have appropriate coverage amounts to be sure they’re protected if a large claim is filed.

What E&O Insurance Covers
Policies can vary, but most forms of errors and omissions insurance cover the following. Note that some industries don’t need all of the coverage mentioned below, while others may need additional coverage because of the nature of their operations. Luczkowski Agency Insurance and Financial Services agents will help you determine which coverages are best for you.

Claims and Damages: These are one of the major sources of potential loss that your company faces. E&O protection on claims can reimburse you for any payouts you may have to make as a result of such claims being filed.
Defense Costs: Whether or not you win a case, your attorney is going to expect payment. E&O insurance can reimburse you for their fees, allowing you to hire professional support without worrying that it will be too expensive for you to afford.
Employees, Temporary Staff, and Independent Contractors: You may be liable for the actions that anyone associated with your business takesÑwhether or not they’re an employee. This part of the policy protects you if they make a mistake.
Negligence: Often considered one of the most important parts of E&O coverage, negligence coverage can reimburse you for problems like making a mistake while giving advice or failing to complete a job. Whatever the cause of the problem, ensuring you’re covered will help protect your business if something goes wrong.
Errors and omissions policies payouts vary among companies depending on the possible severity of financial mishaps. If you’re not sure how much of a cap your business should have in each category, call one of Luczkowski Agency Insurance and Financial Services agents today and ask them for more information. You may need to increase your policy cap as your business grows, and we can help you decide when it’s time to raise the limit.

1. Oxford Reference, s.v. Òerrors and omissions,Ó www.oxfordreference.com/view/10.1093/oi/authority.20110803095756997?rskey=tDNztO&result=1

2. “Why Consumer Trust Is the Key to Repeat Business.” The Wise Marketer. January 2005. Accessed April 18, 2016. http://www.thewisemarketer.com/features/read.asp?id=54.

3. “Claims Trends.” Insurance Journal News. November 03, 2014. Accessed April 18, 2016. http://www.insurancejournal.com/magazines/features/2014/11/03/345153.htm.