Songer Insurance Agency, Inc. Blog

All You Ever Wanted to Know About Insurance

Personal Umbrella

Personal Umbrella Overview: Auto and homeowners policies provide adequate liability protection for many people. Why, therefore, would anyone purchase a personal umbrella liability policy? The primary reason is to...

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Commercial Property - Risk Selection

When evaluating a commercial property submission, the underwriter looks at many criteria. Part of their evaluation is underwriting they COPE each property they were unsure. COPE stands for the construction, occupancy,...

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Personal Auto Liability Coverage

Part A of the personal auto policy contains the provisions relating to liability coverage. This section of the policy consists of the liability insuring agreement, supplementary payments provisions, exclusions, and...

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Commercial Auto Insurance

Third party-tort liability coverages Liability: This coverage is based on the concept of tort liability and negligence. Liability laws require an insured to pay for injuries to other people or their property caused by...

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Health Insurance for Employers in West Virginia

For businesses with at least one full-time employee, Songer Insurance Agency offers a variety of health plan options and insurers in Beckley West Virginia and surrounding areas. We're here to help you find the right...

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Minimum Auto Limits

Minimum limits are not defined in the generic multi-state personal auto policy form but rather in each state amendatory endorsement that modifies the generic personal auto policy to comply with local regulatory...

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Short-Term Health Insurance Overview

Short-term health insurance can be a great option today for many different reasons. The name itself in our opinion is somewhat misleading. You can purchase a short-term health insurance plan for up 360 days. In most...

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Commercial Business Automobile

Commercial auto is a combination of coverages to protect the assets commercial insured. Both first party type coverages and third-party protection are afforded. First party coverages: first-party coverage provided...

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Commercial Business Automobile

Commercial automobile insurance coverage protects businesses against a financial loss that can occur because of the ownership and use of vehicles. The commercial auto policy list who is covered what vehicles are covered...

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When to buy a Medigap Plan

Buy a policy when you're first eligible in Beckley West Virginia and surrounding areas: The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period. During that time you can buy any...

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