Fixed and Variable Annuities

Insurance firms commonly offer their customers annuities, which are contracts that guarantee a future payment in recurring installments, typically monthly and frequently for life. However, even within that broad description, there are various annuities with distinct functions. This raises the question of ‘What is the difference between fixed and variable annuities? Key Points A fixed…

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Business Auto and Garage Coverage

Auto and garage coverage are both important for businesses. This blog will discuss both of these types of coverage further. If you have any specific questions regarding business auto and garage coverage, contact the experts at Panichelle Insurance today. What Is Business Auto Coverage and What Does It Cover? If you use a commercial vehicle…

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Three Types of Living Benefits for Life Insurance

You may have good knowledge of the advantages of life insurance, such as how it can protect your loved ones financially in the event that you die away. However, did you know that life insurance can offer advantages even while you’re still alive?  At Panichelle Insurance, we can help you understand some of the advantages…

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What Is Employment Practices Liability Insurance, and Why Does My Business Need It

Small firms that hire, manage, and fire employees are covered by employment practices liability insurance. It pays for litigation costs incurred by employees, but why does your business need it?  How Your Business is Protected with Employment Practices Liability Insurance? In the event that an employee files a lawsuit alleging discrimination, wrongful termination, harassment, or…

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Common Life Insurance Riders to Consider

Life insurance protects your loved ones financially if you pass away. However, conventional life insurance policies may not provide you with all of the coverage you require. You may be able to increase your coverage by adding one or more policy riders. Some riders even come standard with certain insurance. Here are some common life…

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Business Insurance to Rent An Office Space

If you are renting office space to run your business, you must have the proper business insurance coverage in place to protect your office rental as well as your team. While the property owner will cover any difficulties with the physical structure, business insurance will cover any damage to your office equipment. Most landlords are…

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Collision and Comprehensive Coverage

There Are Two Types of Vehicle Insurance Coverage: Comprehensive and Collision You might wish to group them together for increased security. Comprehensive coverage may be available in instances when collision coverage is not, and vice versa. What Is Comprehensive Auto Insurance, and How Does It Work? Damage to your vehicle caused by non-collision-related covered incidents…

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Umbrella insurance is intended to provide additional protection for “just in case” scenarios. It protects your valuables beyond the scope of your current insurance policy. It means you have additional insurance coverage for your home insurance policy, vehicle insurance policy, and any other insurance policies where you believe you may require it. What Is the…

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You’ll find water whether you’re boating, fishing, or riding a Jet Ski® on one of Pennsylvania’s 76 natural lakes or 85,000 miles of rivers and streams. Panichelle Insurance provides PA boat insurance, which provides much more than a standard homeowners policy, including increased liability and physical damage insurance for your boat. Is Boat Insurance Required…

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