Dealing with Roadside Emergencies: How Auto Insurance Can Help.

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Nobody likes to think about roadside emergencies, but they can happen to any driver at any time. Should one occur to a motorist in Des Moines, IA, it’s important to understand how your auto insurance can provide support.


Roadside Assistance Coverage

Many auto insurance policies include roadside assistance, which can be a real lifesaver in emergencies. This service could cover situations ranging from flat tires and dead batteries to a tank that’s out of gas or keys locked inside the car. It’s worth discussing with your agent at Ally Insurance Brokers of Omaha to ensure your policy includes this coverage.

Towing and Labor Costs

If your vehicle breaks down and cannot be repaired at the scene, most roadside assistance coverage includes towing to a nearby repair shop. Also, the coverage often extends to labor costs for small repairs done on the spot.

Accident and Collision Assistance

If a roadside emergency is due to an accident, your collision insurance steps in. Collision coverage pays for repairs to your vehicle if you hit another vehicle or object, flip your car, or if your car rolls over.

Rental Car Reimbursement

If your vehicle is in the repair shop for a few days due to a covered claim, rental reimbursement coverage will cover the cost of a rental car. Ask your agent how your policy handles these scenarios.

Every road trip should be a joy, not a source of stress. Let the experienced team at Ally Insurance Brokers of Omaha guide you through the process of setting up coverage that will give you confidence on every journey.

Why Your Nebraska Small Business Needs Workers’ Compensation Insurance

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Regardless of the business size, Workers’ Compensation Insurance is a key investment to ensure the safety and protection of employees at the workplace. Specifically for small businesses in Omaha, Nebraska, understanding its importance is crucial in protecting both your business and workers.

Legislative Requirements

In Nebraska, almost all employers are required to have Workers’ Compensation Insurance, irrespective of the number of employees or type of business. Not having it can lead to legal implications such as fines or imprisonment.

Protection for Employees

Workers’ compensation insurance provides wage replacement and medical benefits to employees injured in the course of employment. This is essential in fostering a secure work environment and enhancing employee morale.

Financial Security for Your Business

In the case of an injury or accident at work, employees may have the right to sue the employer for negligence. The legal costs and potential payouts can be high. Workers’ Compensation Insurance ensures your small business’s financial stability in such a scenario.

Investing in a Workers’ Compensation Insurance is not just a wise decision, but a need for all small businesses in Omaha, Nebraska. At Ally Insurance Brokers of Omaha, we specialize in helping you find the best coverage that suits your business, providing you with the peace of mind needed to focus on growth and success. Get in touch with us today to discuss your options.

Protecting Your Omaha Home: A Look into Common Home Insurance Policies

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Your home is often one of your most valuable assets, making a robust home insurance policy critical for financial protection. However, with many coverage specifics, understanding your home insurance might seem complex. At Ally Insurance Brokers of Omaha, we’re committed to making this process simpler for our clients. Our experts have broken down the types of home insurance policies you might encounter as a homeowner in Omaha, NE.

Dwelling Coverage

This basic policy type covers the cost of rebuilding or repairing your home if it suffers structural damage from various perils such as flooding, fire, or vandalism.

Personal Property Coverage

Personal property coverage reimburses you for the value of personal belongings in your home if they’re damaged, destroyed, or stolen. It counts for anything from your furniture to electronics and clothing.

Liability Cover

Liability coverage protects you in the event that a person gets injured inside your home or if you, your family members, or objects in your home cause damage to a third party.

Additional Living Expenses

If an insured disaster forces you to leave your home temporarily, this aspect of home insurance covers additional costs such as hotel bills and meals.

Choosing a Policy with Ally Insurance Brokers of Omaha

Choosing the right home insurance policy in Omaha, NE for your home is likely one of the most important financial decisions you’ll make. Ally Insurance Brokers of Omaha prides itself on providing Omaha homeowners with comprehensive information to make the optimal choice.

Understanding your home insurance isn’t just smart—it’s necessary. If you have any more questions, we’re always here to help.