The Shay Agency is the insurance company that families in the greater Wilkes-Barre, PA area can rely on for all of their life insurance needs. We understand that talking about life insurance can be uncomfortable, but it is a topic worth your time and attention.

What are some benefits of whole life policies?

The main benefit of a whole life policy is that it stays in force for as long as the premiums are kept up to date. Unlike term policies, whole life can provide you with coverage for your entire life. You will have the protection you need through all phases of life.

Many people opt for a whole life policy because of the cash benefit available with this type of policy. This cash amount can be accessed during life and is separate from the death benefit. This allows policyholders to have options for funding large life events such as college tuition, weddings, and retirement. 

If you are looking for a life insurance policy that will serve you and your family well, both now and in the future, it’s time to talk to a local agent. Taking the time to understand the available options can help you prepare for your family’s future financial health. Whole life policies can provide the stability your family will need if you pass unexpectedly or if a major expense occurs while you are living. Why not find out more today?

Give us a call today and find out more.

If you live in the greater Wilkes-Barre, PA area, turn to The Shay Agency for your insurance needs. We can help you protect your family now and well into the future. Call and schedule an appointment today.

If you have questions about term life insurance, the team at The Shay Agency is here to help. Residents in the Wilkes-Barre, PA area can rely on our team for their insurance needs. Finding the right life insurance policy doesn’t need to be stressful. Let us help!

Understanding term life insurance 

There are several different types of life insurance, and term policies are included. This policy type is excellent for anyone on a budget or who only needs coverage for their burial expenses. If you do not anticipate requiring a significant death benefit and want to keep your costs in line, look at term insurance.

One thing to keep in mind with term life insurance is typically for a defined period. This means that the policy will no longer be in force once that timeframe is exhausted. Because of this, term insurance isn’t the right solution for everyone. But, if it does turn out that a term policy will meet your needs, several different options are available.

Deciding the amount of insurance you will require is the first consideration. Following that, you will want to think about how long of a term will best meet your needs. Sitting down with a local agent is a great way to understand better the options available and how they can meet your needs.

We are here to help you!

The Shay Agency is proud to serve the insurance needs of the greater Wilkes-Barre, PA community. If you have questions about term life insurance or any other type of insurance, give us a call or stop by today!

A commercial insurance policy protects your business from financial obligations resulting from such risks as property damage, income loss due to business interruption, theft, and employee grievances. Therefore, a commercial insurance claim is an obligation arising while conducting a business because of unprecedented events covered by the insurance policy. Insurance claims in Wilkes-Barre PA, fall into different categories. The Shay Agency in Wilkes-Barre, PA is available to offer you all the help you need to make your insurance claim.

What do I need to know about commercial insurance claims?

Depending on the type of loss your business has experienced, making a claim comes with various duties and responsibilities. It is essential to know that you don’t have to do this alone, and you can contact The Shay Agency for assistance. Here are a few guidelines you need to know about commercial insurance claims.

Always know your policy details.

It is critically crucial for you to read and understand the contents of your commercial insurance policy, what is included and not included and how to make a successful claim. Having knowledge gaps in understanding the policy will make it challenging to make a claim and collect the proper evidence for claim settlement.

• Collect enough documentation on damage caused

If you have experienced insured commercial property damage, the burden of proof to substantiate the loss lies with you. To that end, ensure you take as many photographs as possible before anyone removes anything from the damaged premises. This documentation is valuable in developing the proof of loss statement.

• Submit a proof of loss statement to the insurance company

After reporting an incident to our insurance agents, you will be presented with a proof of loss form. Provide sufficient accurate information and evidence of your losses. It would be best to have a written description explaining what happened.

Are you having challenges with your insurance claim? Reach out to The Shay Agency in Wilkes-Barre, PA, and our customer-centric agents will guide you in no time! Please visit our website for further guidelines on commercial insurance claims.

When you operate a business in Pennsylvania, you’ve got a lot of worry about risk on your mind. Theft prevention is going to be high on that list. Even if you do not operate a retail outlet, internal theft is just as big a risk to your bottom line as an external attack.

You’ll want to have a sound Pennsylvania commercial insurance policy to protect you from financial losses. At The Shay Agency, we can help Wilkes-Barre, PA business owners create the theft prevention protocol you need to minimize your risks.

In-House Security System

Today, cameras are not that expensive to invest in, and they serve as an excellent deterrent a lot of the time. Or, you could invest in an entire security system that will help you to minimize risks and theft. 

Have them pointed on entrances and at eye level. You don’t need a 24-hour streaming service. A few cameras with recorders when motion detectors go off will be all that you need to catch foes in action.

Develop a Tolerance Policy

A tolerance policy is a set of procedures that you develop in order to determine your game plan if you experience a theft or attack. Plan the steps you take if you experience an attack or loss.

Be sure that your employees are all trained on this and know what your expectations are, and what the outcomes will be if a problem arises. Develop an internal and external protocol.

Organize Your Interior Design

You may want to consider organizing your interior and exterior design so that you know when something is out of place. Keep workstations free of clutter. Minimize the number of materials you have on desks, cabinets, and shelves.

Enhance Your Commercial Insurance

When you are looking for ways to upgrade your security protocol, enhance your commercial insurance as well to ensure you are covered everywhere. At The Shay Agency, we can help Wilkes-Barre, PA business owners design the commercial insurance policy that they need. Call us for a quote today.

For most motorcyclists, safety is a high priority on the road, hence the need for motorcycle insurance. If you are a resident of Wilkes-Barre, PA in need of responsive and reliable motorcycle insurance, there are some important questions you might have in mind. The Shay Agency helps answer your questions and advise on the right insurance coverage that fits your needs and budget.

The following are some of the commonly asked questions about motorcycle insurance that are beneficial in helping secure the right coverage:

What Is the Average Cost of Motorcycle Insurance Coverage?

Motorcycle policies have varying rates depending on the state, the bike, and the insurer. In some states, insuring motorcycles is mandatory, while in others, it is not. In case of accidents, you are liable for compensation depending on your chosen coverage plan. As a result of the varying motorcycle insurance prices, it’s vital to take precautions to minimalize insurance costs by taking safety courses and consulting with insurance experts regarding discounts.

Why Is Motorcycle Insurance Important?

Ideally, motorcycle drivers are high-risk drivers who could easily get into accidents. Motorcycle insurance is an essential requirement by most state laws to protect everyone on the road in the event of an accident. If you have property damage liability coverage and bodily liability coverage, you are protected from losing your assets following an unexpected accident. If you get sued, the minimum coverage helps in covering court costs.

What Is Full Coverage Motorcycle Insurance?

This refers to the maximum amount of coverage a motorcycle can have, and it varies depending on the motorcycle type and state-specific laws on insurance. Most insurance policies are inclusive of; collision and comprehensive coverage, liability, medical payments, roadside assistance, and uninsured motorist coverage.

Motorcycle insurance policies are confusing to most motorcyclists, so it’s best to know the variation in coverage plans to minimize your insurance rates and protect your rights. For residents of Wilkes-Barre, PA with any insurance queries, contact The Shay Agency for expert advice.