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Brandywine Insurance Group

2 Ponds Edge Drive
Chadds Ford, PA 19317

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Minimum Motorcycle Insurance Requirements in the State of Pennsylvania

Because of the expenses that can come from motorcycle accidents, Pennsylvania riders must prove to the Pennsylvania Department of Transportation (PennDOT) that they can handle the potential costs that can come from a motorcycle’s operation. They must have an acceptable amount of liability insurance on the vehicle, or they can choose to self-insure. The State of Pennsylvania has guidelines on how riders can prove financial responsibility. They must have a minimum amount of bodily injury and property damage liability coverage, or they will have to fill out an application form if they want to self-insure. They will also have to provide a current balance sheet and pay a security collateral of $50,000 to PennDOT.

Minimum Liability Insurance Requirements

Unless they choose to self-insure, Pennsylvania riders must have the following minimums in liability coverage:

  • At least $15,000 in bodily injury coverage for any death or injuries to a single person because of an accident.
  • At least $30,000 in bodily injury coverage for any deaths or injuries to more than one person because of an accident.
  • At least $5,000 in property damage coverage for any single accident.

While these are the minimum requirements, it’s always a good idea to get more coverage if you can afford it because it will minimize any potential liabilities that can come from an accident. And it’s best to shop around so you can find an affordable plan.

If you live in Chadds Ford, PA, Brandywine Insurance Group can help you find a motorcycle insurance policy that will meet your needs and fit your budget. And we have agents who will be happy to sit down with you to discuss your needs. If you want someone to meet with you so we can talk about the available options, be sure to get in touch with our office today!

Helmet Requirements in the State of Pennsylvania

While many states are more lenient, Pennsylvania has strict helmet requirements. Any rider under the age of 21 and has held a motorcycle license for less than two years must wear a helmet while they’re riding, and they must complete a safety course from PennDOT or the Motorcycle Safety Foundation.

If you have any questions about any motorcycle insurance regulations in the State of Pennsylvania, Brandywine Insurance Group can help you get the information you need. We have been serving the people of Chadds Ford, PA for a long time, and we have a team of expert agents who can help you with all your insurance needs. Get in touch with us today to find out what we can do for you!

Commercial Legal Liability and Other Insurance Helps Protect your Business in Chadds Ford, PA

If you have a small business in Pennsylvania, you have no doubt heard horror stories regarding frivolous lawsuits filed against other owners. You need insurance that covers your liabilities without breaking the bank. Your  Brandywine Insurance Group agent in Chadds Ford, PA can walk you through the types of business insurance available and which coverage you should include in your business.

Pennsylvania is a fairly hostile state in terms of the number of business sued each year. Keep reading to learn the types of business insurance coverage available.

About Commercial Liability Insurance for PA Businesses

Pennsylvania doesn’t require commercial liability insurance for businesses operating in the state. However, it’s ranked 46th among states with tough laws that make it harder to avoid a liability judgment. So, commercial liability insurance, or business liability insurance, protects you from a catastrophic financial loss in the event of a liability claim. This covers events that take place in your business or anywhere you do business (for example, completing an installation in someone’s home as part of your business) in Chadds Ford, PA.

There are the types of Business 

  • Bodily Injury pays for physical damage to someone else at your place of business. 
  • Property Damage covers damage that’s your fault or the fault of an employee regarding someone else’s property.
  • Advertising Injury any claims for losses caused by misleading advertising.
  • Legal Defense and Judgments cover you for what it costs to defend yourself against real and frivolous suits. It also pays for judgments up to your coverage limit. However, the policy may not include punitive damages due to negligence or purposeful misconduct.

Contact Us

Contact us at 610-335-1888, so your  Brandywine Insurance Group agent in Chadds Ford, PA can answer questions about your current or new system.

3 Ways Commercial Insurance Helps Your Business

Commercial insurance is not one of the more glamorous business expenses you can make, but it may be one of the best. For the owners in Chadds Ford, PA, it may be what saves the company altogether. Commercial insurance may be the only source of income that you see should something go terribly wrong. See why it helps in more ways than one. 

1. Protecting Your Income 

The right policy from Brandywine Insurance Group doesn’t just repair your business if it happens to be damaged by vandals or during the last big storm. It can also provide you with the income that you would have made had the business been able to stay open for the full time. 

2. Quality and Consistency 

Everyone in Chadds Ford, PA understands if a business has to shut down for a few days because of an event outside of an owner’s control. However, what they may not understand is why some non-essential repairs were skipped over, or why a business has to shut down for weeks when other businesses were up and running far sooner. The more quality you can give your customers, the more they’ll come to respect your company. 

3. It Gives You a Port in the Storm 

Having no one to turn to when something goes wrong is almost as bad as something going wrong (and sometimes, it’s worse.) Brandywine Insurance Group has experienced agents who are here to guide you through the claims process, so you have someone to talk to when you have questions. It’s our job to be a light in a very dark time, and we take pride in serving the business owners of Chadds Ford. Not only that, but we help you pick the policy that is most likely to protect you. Call today!

Homeowners Insurance Chadds Ford, PA

Homeowners insurance compensates an owner for property damages repairs and guest accidents after a risk incident. Protect yourself and your property with homeowners insurance, and eliminate the hassle of out-of-pocket replacement and repair of property, personal belongings, and even medical expenses.

Disaster Risk Events

Pennsylvania homeowners can protect their investment with an insurance policy covering costs associated with natural disaster damage to property. Repair a building’s structural elements, and replace personal effects with a homeowners insurance policy.

Liability Risk Events

Entertaining a guest can sometimes lead to a slip and fall. With liability coverage, a property owner must assume under law, which makes them responsible for costly medical expenses and legal fees. Homeowners insurance protects a property owner from “negligence” legal liability for hospitalization, treatment, and attorney fees following an injury claim.

Homeowners Insurance Coverage

Comprehensive Coverage – a full-coverage policy that protects a homeowner from costs for repair and replacement of property.

Individual Coverage –protects a family from a property owner’s debt obligations such as a mortgage or other outstanding monies owed, in the case of accident or death.

Packaged Indemnity Agreements – property protection for the value of real and personal effects from the cost of replacement after a theft or damage.

Combined Life Coverage – homeowners and life insurance coverage for property loss, personal belongings, as well as guest liability.

Protect yourself and your investment from the financial detriment of disaster or liability with homeowners insurance.

Request information about deductibles, claims, grace periods, and terms and conditions to homeowners insurance agreements available from your insurance broker.

Brandywine Insurance Group, Chadds Ford, PA

With a solid reputation for affordable and reliable insurance products, Brandywine Insurance Group of Chadds Ford, Pennsylvania is a specialist in auto insurance, boat and watercraft insurance, commercial insurance, condo insurance, homeowners insurance, life insurance, motorcycle insurance, renters insurance and umbrella insurance.

To find out more about homeowners insurance in Chadds Ford, PA, and obtain a quote, contact Brandywine Insurance Group.

Insurance Laws in Rural vs. Urban Areas

If you’ve recently moved to Chadds Ford from a busier urban area, know that the laws are pretty much the same throughout all of PA. Whether you live in Philadelphia or on a middle-of-nowhere plot of land or in a pleasant little small town like Chadds Ford, the law is technically the same wherever you go.

What changes is how you deal with your insurer, what kind of deals you can get, how much they’re going to charge you. How laws are enforced may change, as well. If a Philadelphia cop catches you without insurance, for instance, he’s not likely to make any exceptions in your case. In a small town, if he knows you, and knows you’re a safe driver, he might give you a pass, for now. That’s not something to count on, but it can happen.

One of the best things about living in a rural area or a small town is that your insurance rates are usually going to be lower across the board. If you’re a safe driver, that goes a lot farther in a small town than it does in the city. In the city, it doesn’t matter how safe you are, because you are at the mercy of every other driver on the road. In a small town, where you have a population that is generally skewing a little older, and you have fewer cars on the road in general, it’s just safer overall.

If you’re looking for a new policy now that you’ve moved to Chadds Ford, contact us, and we’ll get you all set up with some free quotes.

Why Home Insurance Is A Sound Financial Investment

When you live in Chadds Ford, PA, it’s important to be a responsible homeowner. This is why you should take the time to invest in a good home insurance policy. It will allow you to get the coverage you need in the event of having to file a claim because of damage, loss, or something else.

Financial Protection

A home insurance policy can provide you with a significant amount of financial protection. If you didn’t have a policy, you would be financially responsible for damage from a fire, replacing items that were stolen from the break-in, as well as lawsuits if someone injured themselves on your property. These various scenarios could add up to thousands of dollars – dollars you don’t have.

At Brandywine Insurance Group, we work closely with our clients in order to establish a sound financial investment. By creating a policy that covers your home, your belongings, as well as various liability scenarios, you have the financial protection in place.

The Cost of a Policy

Many people don’t focus on what their policy contains because they want the cheapest policy possible. However, the cost of a comprehensive policy may be a lot more affordable than you think. Increasing coverage in certain areas may only increase the cost of the premium by a small amount. This extra coverage could help to eliminate out-of-pocket expenses down the road is something major were to happen.

You can’t predict the future and therefore you need to rely on home insurance so that you can file a claim when something happens, whether it’s a fire, storm, a break-in, or something else.

It’s easy to learn more about home insurance in Chadds Ford, PA. Contact the Brandywine Insurance Group to begin searching for home insurance policies that work for you and your home today.

3 Reasons to Buy Life Insurance in Your 20s

Investing in life insurance when you are still young and carefree may seem like a strange investment, especially if you haven’t yet started a family, but for the forward-thinking 20-something, it’s a savvy, money-saving decision. Here are three solid reasons to change your mind if you were thinking of pushing that milestone purchase down the line.

1) Nobody is promised tomorrow. Harsh as it sounds, a healthy body may not remain so. If you are young and experience a sudden death, you want to make sure coverage is in place to ensure your family is not saddled with paying for your funeral expenses. Life insurance is peace of mind.

2) Early birds are more insurable. When you are in the prime of your life, you are eligible for lower premiums than you might be as you age. Purchasing early can save you a significant amount over time in premiums if you develop any health issues like diabetes. As you age, you may even become uninsurable.

3) It can be a sound financial investment during life. Most permanent insurance policies build cash value that can be borrowed against to deal with emergencies or invest in opportunities like starting a new business, purchasing a home, or funding a wedding. If used wisely, this can help build financial stability earlier in life. If you reach retirement and find yourself without a need for the death benefit, that money can be instead used to supplement any retirement savings you’ve accumulated.

The earlier you purchase life insurance benefits, the sooner the ‘living benefits’ will kick in and allow you to build a strong future for yourself and your family. When you are ready to investigate your life insurance options, contact the Brandywine Insurance Group for a quote. 

Expect The Unexpected: Benefits Of Commercial Insurance

Large businesses and corporations know to have extensive commercial insurance that covers them in the event that anything goes wrong. They often err on the side of too much coverage rather than too little, and often have knowledgeable, experienced agents at their disposal who make sure that their coverage changes according to their needs. 

Smaller businesses, however, don’t necessarily have this level of service at their disposal, and may attempt to save money by either not carrying insurance or by carrying the bare minimum of insurance. These strategies may appear to save you money, however, they can backfire on you if something goes wrong. Worst case scenario is that you lose your business and end up in debt that will set you back for years. It’s important to be prepared to avoid this. You can be prepared by anticipating the unexpected, and ensuring that your coverage is adequate.

Commercial Liability Insurance

Whatever the size or type of your business, you must be prepared to handle unexpected accidents, injury or damage. Even if you have a home business, it’s essential that you have liability coverage. If someone gets hurt, or their property is damaged at your place of business (even if it’s your home) you must be covered to avoid catastrophic financial losses. Someone could slip and fall, or a similar accident could occur. Yes, you may never have this experience, but if you do and you don’t have commercial liability insurance, it could put your business under.

Commercial Property Damage And Theft

How much would it cost you to replace your stock, equipment or building? Again, you may not ever have to worry about this, but the reality is that things do happen. If someone steals or vandalizes your property, you have to repair or replace it. If a fire breaks out, or an accident occurs, do you have the cash on hand to get things back up and running? If the answer is no, then commercial property insurance needs to be a part of your coverage.

Talk to the agents at Brandywine Insurance Group to determine how much coverage you need, and what type of coverage best suits your business. The unexpected may never happen, but if it does, you will stay in business.

Your Safety Checklist When Decorating For Fall

We all have our own idea of what our homes should look like through the Fall. Some people like to decorate with a very Halloweeny sort of theme, while others prefer a festive feel, celebrating the colors of Autumn. Whatever your style, it’s important to take a moment to consider the safety issues that surround decorating your home:

  • Secure All Ladders

If you like to decorate the roof or hang ornamental items up in hard-to-reach places, then you’re going to be breaking the ladder out of the garage. You need to be very careful to ensure that it is secured and stable, especially considering that the ground can get slick and icy in the Fall. Your best bet is to never mount a ladder unless there’s someone there to spot you.

  • Be Careful About Fire Hazards

A lot of Fall-themed decorations are basically just a bunch of kindling bound together with a flammable adhesive. If you like to decorate with leaves and natural wooden ornamentation, make sure not to hang any dry tree-products around the fireplace, furnace, space heaters, outlets, or anything else that gives off heat or electricity.

  • Avoid Outdoor Clutter

Those slippery sidewalks are a liability claim waiting to happen, and Brandywine Insurance Group is primarily there to cover against unforeseeable incidents. If your walkway is cluttered with big Halloween decorations that people have to dance around, then you’re looking at an accident that anyone could have seen coming. Keep walking paths unobstructed, and decorations out of the way.

Decorating for Fall is hardly the most dangerous job in the house, but nevertheless, it’s always important to keep safety in mind.

PA Motorcyclists: Get Insured for Your Sake and Everyone Else’s

As many Pennsylvanians can attest, insurance is not just something that you get for your own sake – it is for the sake of others as well, whether you know them or not. Insurance exists for a multitude of reasons, with the reasons generally focusing on protecting you in the event of a collision (both in terms of covering your medical bills or repair bills and in case you are held liable for another person’s bills). So while a person may think that having a driver’s license is enough for them to be able to hit the road, having proof of insurance on hand is just as important. Without it, you may find yourself being held responsible for all of your medical and repair bills or even have your license suspended. A suspended license can put a serious damper not only on your enjoyment of the road, but also if your job requires that you commute, you may wind up having to find a way to get there and back every day. Fret not – using Brandywine Insurance Group’s services will help you find the insurance that works for you in minutes.

Even if you do get insurance, it should be noted that helmet usage varies from state to state. In Pennsylvania, you must wear helmets if you are under the age of 21 unless you have two years of experience on a motorcycle or have been approved by either the Motorcycle Safety Association or PennDOT.

Insurance laws vary from state to state, so it is important to make sure that you have full and clear understanding of what PA’s laws are like. If you have any questions or concerns about anything relating to this, you can contact Brandywine Insurance Group online or by phone at (612) 335-1888 and we will help get everything working for you.