Is Dental Insurance Necessary?

Dental insurance is a policy that covers your visits to a dentist and helps to pay for the dental care you get. Generally, this plan covers the entire costs for preventative procedures like cleanings, check-ups, and X-rays. A policyholder is usually required to pay at least 20 percent of the expenses for services like crowns, fillings, and root canals.

So, it necessary to get dental insurance from insurance providers like Bob Korvas Agency Inc. that serves Niles, IL and surrounding areas. Here is why you should consider a dental insurance coverage.

Preventive care

You always pay for your auto insurance even though you may not necessarily use it. This is good since the coverage will come in handy when you need it most. The same applies to dental insurance. Other than giving you the peace of mind, you will be sure your dental expenses are taken care of, especially when it comes to examining, cleaning, or X-ray. This is done at least twice every year giving your dentist the opportunity to spot and minimize the chances of having any kind of tooth problems.

You can get a dental insurance through your employer or by purchasing the cover on your own. In case you are self-employed, consider getting a pay-as-you-go plan. Many health insurance plans often cover dental services that are needed after an injury. However, make sure you check out the terms of the policy before making this assumption.

It’s clear that regular dental care helps to prevent more severe medical conditions. Shop around for a professional dentist in Niles, IL who provides the best rates on different treatment options. You can be sure your dental insurance policy from Bob Korvas Agency Inc. will cater for the expenses as long as it’s clearly stipulated in the policy document. Contact us today for more information.


How Commercial Insurance Protects Small Businesses

When you are growing a business, the budget may be tight.  Any disaster or personal injury could spell the end of the venture.  This is why commercial insurance is so important for small, growing businesses.  Regardless of how careful and attentive everyone is, there is always the potential that a staff person or client could be injured on the business’ property.  Also, severe weather is a threat to any business.  If the company owns vehicles, they will also need to be insured.  While these threats exist for every business, commercial insurance policies can help protect should the unthinkable occur.  The team at Bob Korvas Agency Inc. works with small businesses throughout the Niles, IL area.  They understand the concerns of owners and work to ensure that they are adequately covered. 

The term ‘commercial insurance’ actually covers a range of policies that can be used to protect various aspects of the business.  General liability insurance is a good starting point.  Other policies include professional liability and product liability insurance to protect against negligent services or defective products.  Property insurance covers the business’ physical location against damage or destruction.  Commercial vehicle insurance covers the company’s fleet while they are out on the road.  Workers compensation protects employees should they be injured on the job.  Loss of income insurance protects the business as a whole in the event that a disaster disrupts the normal flow of business.  These are just a few of the types of policies that are available to protect small businesses. 

Small business’ need room to grow.  Commercial insurance policies protect the entity so that if something happens, the business has a chance to repair and recover.  The agents at Bob Korvas Agency Inc. know the challenges Niles, IL businesses face.  Call them today!

3 Health Tips All Teenagers Should Follow

When it comes to raising teenagers in Niles, IL it is of the utmost importance that you do all you can to keep your kiddos as healthy as possible. To do this, there are several tips you should have your teens follow. 

Routine Checkups

It is easier to track changes in teens’ social, mental, and physical developments when they go to the doctor for routine checkups. Regular checkups also help doctors give quality advice regarding a teen’s lifestyle and eating habits. More so, through routine visits to the doctor, a physician can monitor a teen’s alcohol and tobacco use, and if needed, proper treatment recommendations can be made. 

The Value of Health Insurance

Adult teens who are no longer on their parents’ health insurance are often known to avoid medical care and underestimate the importance of health insurance. Two of the top reasons they avoid getting health insurance is because of issues with cost and confidentiality. The truth is, though, being a teenager is a great time to invest in health insurance because the younger and healthier you are, the lower your premiums will be.

Get Enough Sleep

Teens often find it challenging to get the recommended amount of sleep, especially if they are busy with extracurricular activities or have a job. Getting a good night’s sleep, however, is just as important as getting physical activity and eating healthy. In fact, studies have shown that getting a good night’s sleep can do wonders in regard to doing good in school, fighting off infections, and being able to drive and work safely. 13 to 18-year-olds should get between 8 to 10 hours of sleep every night.

If you would like to learn more about health insurance for teenagers, please contact the Bob Korvas Agency Inc. serving the Niles, IL area. 

Motorcycle fun

Whether you ride on the weekend or it’s your fulltime vehicle there are some things you need to know so that you have fun and are safely covered.

For those that ride, there’s nothing like making some noise and hitting the open road and feeling the wind and riding. The feeling is exhilarating and wonderful. As much freedom as the open road gives, you still need insurance. Is your motorcycle insured adequately to comply with both your state’s legal guidelines, as well as your own risk tolerance? Are you insured?

One aspect is Liability Insurance

Most states require you to have at least some liability coverage.

Bodily Injury and Property Damage or (BIPD):  This insurance covers legal liability when a crash causes damage or injury, to another person or their property.

Medical payments: This component of liability insurance is optional in some states. It pays for the necessary medical care you receive as the result of a motorcycle accident.

“Full Coverage” Insurance

This can be optional if you own your bike outright but may be required if you are financing.

Comprehensive and Collision: Typically pays for repair or replacement of your motorcycle if it is damaged.

Custom Parts and Accessories:  Many bikes have custom features, and these may be covered by insurance.

Roadside Assistance: Pays for towing to the nearest qualified repair facility.   It may also include labor at the site where you are stranded due to things like getting stuck in snow, quicksand, water, mud, or sand. Or if there is a  mechanical breakdown or flat tire,  or inadequate fluids.

Bob Korvas Agency Inc. serving Niles, IL knows how to cover your motorcycle and how to best meet state requirements while setting your mind, and your pocketbook at ease.


What Coverage Comes With Commercial Insurance?

When you run a business in Niles, IL your company faces a spectrum of risks including legal liability and financial loss, making it critical to have insurance to mitigate financial ruin. Commercial policies are designed to help businesses protect their operations from lawsuits. Each policy is different, which is why it helps to understand the options available to business owners and operators.

Commercial general liability insurance is a basic policy that is available to businesses that protect owners from liability. This includes claims arising from bodily injury, property damage, slander and false advertising. You can get coverage for your premises, or for claims arising from the use of your products or services. You can further supplement your policy with excess liability coverage, which raises the dollar thresholds that an insurer will pay out.                       

You can also get an umbrella policy for your business that further augments your commercial policy. The umbrella will payout sums above all of your other coverage options. This is an important layer of coverage for business owners that operate in high-risk industries, or for those that have large assets. A qualified insurance specialist at Bob Korvas Agency Inc. in Niles, IL can walk through the different coverage thresholds associated with commercial insurance. During this process, you will come to understand basic coverage and the supplemental policies that you’ll need, to prevent business disruptions from lawsuits.

Commercial insurance has the power to protect businesses from financial risks attributable to legal liability. To learn more about these important policies and the coverage options available, please contact Bob Korvas Agency Inc. in Niles, IL. Businesses are exposed to a myriad of risks, and mitigating those threats through insurance is a prudent decision.

Commercial Insurance for Personal Service Operations

Daycare centers, hairdressers, nail salons, skin-care clinics, and other personal service industries need commercial insurance to provide adequate coverage for their operations. This is true if they operate in commercial spaces or as home-based businesses.

Special considerations need to be reviewed for personal care services because of the extraordinary liability that can arise in these businesses. For example, if a child is injured or dies while in a daycare center this creates an enormous liability for the business owner.

It is always a great idea to consult with your insurance agent at Bob Korvas Agency Inc., serving Niles, IL and the surrounding area, to understand how commercial insurance can be specifically tailored to meet the needs of your personal care business.

For some of these businesses, they use personal care products and have the risks of their clients having a negative reaction to said products. It can be something as simple as an allergic reaction that comes up as a surprise to everyone. Or it can be a serious product defect that is not really caused by the personal care business but was a problem created by the manufacturer.

Nevertheless, if someone is harmed by using any product in a personal care business, everyone involved will be sued. This includes the product manufacturer, the business owner, and the individual personal care provider who was the operator that applied these products. As a business owner, you want to make sure such risk is covered by insurance.

Personal Care Business Success

So much hard work goes into building up a personal care business that having it adequately insured is really an important factor in long-term success. By consulting with your agent at Bob Korvas Agency Inc., serving Niles, IL and the surrounding area, you will get the best advice about how to use insurance as a tool to protect your financial future. Contact them today for an up-to-date insurance review.

What Are Professional Disputes and How Do They Relate to Commercial Insurance?

A professional dispute typically refers to a conflict between a commercial business owner and their customer. They definitely fall under the worst-case scenario, but they’re worth understanding when it comes to your liability protection under your commercial insurance. Bob Korvas Agency Inc. wants the people of Niles, IL to learn more about them so they can keep their livelihoods going no matter what. 

What Is a Professional Dispute?

A professional dispute refers to a mistake a business owner makes with lasting consequences. While a client can technically sue for anything, most judges will only consider ones with real merits. So if you make wedding cakes for a living and accidentally give the wrong cake to someone, this may not be anything but an inconvenience for the couple. However, if you accidentally give a strawberry cake to a couple where one is allergic to strawberries, then you may have a major lawsuit on your hands. 

How You Can Protect Yourself 

Between court fees, settlement costs, and lawyer fees, it’s worth taking another look at your liability coverage. The more you understand how far your limits go, the more likely you are to prepare for them. If you have any questions about your current commercial coverage and the recommended amount of coverage, give Bob Korvas Agency Inc. a call. We’re here for the business owners in Niles, IL who want to keep doing what they do. 

Everyone makes mistakes when it comes to their work and their life, but a mistake doesn’t have to cripple you when you have the right coverage. Let our insurance agency give you a quote, so you can take better steps if something does go wrong when you’re on the job. 


Review Your RV Insurance before Hitting the Road

With springtime fast approaching, RV owners in and around Niles, IL have started to plan their summer adventures. Whether you plan to take your RV to a favorite camping site along the Great Lakes or hope to see some of the magnificent parks in the West, this is the time to prepare your RV for your travels.

In addition to contacting the Bob Korvas Agency Inc. to make sure your RV insurance is up-to-date, here are some things you should do before taking your RV on a trip:

RV Interior

  • On a clear and sunny day when pollen levels are relatively low, open the windows and doors to circulate fresh air
  • Perform a thorough cleaning throughout the cabin and living spaces, checking for any burned-out bulbs or other items that require attention
  • Check to make sure you have proper safety equipment (first aid kit, fire extinguisher, road hazard kit)

RV Exterior

  • Wash the outside of the RV, noting any areas with mildew, mold, dirt or grime on the frame or accessories
  • Inspect tires, vents, windows, doors, and the roof to assure that there are no cracks in seals or other areas where leaking may occur
  • Lubricate any squeaky doors and make sure that all locks work properly
  • Carefully inspect the propane system

Electrical and Mechanical

  • Carefully check your batteries, terminals, wiring, and cables, making sure that you notice any corrosion or damage
  • Carefully look under and around the engine for any nests or other accumulations of leaves and twigs left by rodents or other small animals
  • Check the water heater, making sure that the element is off prior to turning on the power
  • Flush out the water storage system and pipes

The Bob Korvas Agency Inc. in Niles, IL ensures RVs. Come visit us today to learn how we can protect your home on wheels.

Can I get dental insurance even if I have my health insurance somewhere else?

Because of the Affordable Care Act (ACA), there are relatively new rules and policies about different kinds of health care insurance. These can be confusing, especially because the market has become more open to individuals searching for their own health care policies.

If you are in Niles, IL, you may have purchased a private health insurance policy through Bob Korvas Agency Inc.  or you may have gotten insurance through your employer. You may still not have dental insurance, though. While the law doesn’t require you to carry dental insurance the way it requires health insurance, dental insurance is important because it helps cover cleaning and maintenance, and helps individuals maintain healthy oral habits. 

There are two ways an individual can obtain dental insurance: You can either add a dental insurance policy to your health care policy when you sign up, or you can sign up for dental insurance by itself as a separate policy.

If you choose to purchase dental insurance with a health insurance policy, you will need to sign up for them at the same time. If you already have health insurance, you will need to wait until you have open enrollment to change your choices. There are some exceptions for when people are allowed to change their health care choices other than the open enrollment period, such as if you have changed jobs or lost your other health insurance.

On the other hand, if you purchase dental insurance as a separate policy, you can sign up at any time of year. Your policy will not depend on your health insurance policy, and the beginning and ending coverage dates will not need to match. If you are in Niles, IL and would like to discuss dental insurance, please call Bob Korvas Agency Inc. today.


Dental Emergencies Cost Much More than Prevention

Many people do not think much about their dental health until it becomes a problem. However once a problem arises, it is often a life halting issue of serious pain and infection. This pain and infection will cause a dental issue to become an emergency, and cost you significantly more than if preventative medicine was practiced. Dental insurance insures more than your teeth and gums it is a way to save thousands by preventing a costly emergency. Bob Korvas agency Inc. serves Niles, IL and surrounding areas with insurance to keep those emergencies at bay. 

The most common way to fix a serious tooth ache is a root canal. The average cost of a root canal in Illinois ranges from $700 to $1400 depending on the location of the tooth effected. In comparison, a simple filling before the tooth turns into an infection is on average between $140 to $170 per tooth. This is significant savings but can be taken even further if the teeth are properly cleaned and and kept up as needed the average cost for twice yearly whole mouth cleanings range between $75 and $200. These cleanings can prevent the need for the more costly fillings and will prevent the need for problems to advance to the stage of root canal emergencies. 

It is clear that preventative dental appointments can save you significantly from pain and excess dental bills. Basic dental insurance will make keeping your dental health a priority easy and keep the stress of the cost and pain of a dental emergency out of your life 

Contact us at Bob Korvas Agency Inc. to start your year off with assurance of a healthy and pain free future in Niles, IL and the surrounding areas. You have more to save with dental insurance than money, you can prevent pain, infections, and appointments as emergencies