Understanding the Different Types of Small Business Insurance

As a small business owner, you want to protect your commercial investment just like you protect your home or car. The main difference is your business is much more complex and requires more types of insurance to ensure that it is fully protected. It is important to talk to your agent to find out what types of insurance you have and what supplemental policies you may need to fill in any leftover gaps.

Following are a few different types of insurance that your small business may require.

1. Property Insurance

Property insurance protects property that is owned by your business. It will also protect another person’s property if it is damaged while it is on your business premises. Burglaries, theft, vandalism, and weather damage are all covered under this type of policy. Property insurance protects the structures of the business as well as your inventory. It will even cover what is referred to as employee dishonesty. In simple terms, it means damages caused by an employee stealing or taking part in other types of unethical behavior.

2. General and Professional Liability

General liability covers any injury a person receives while on your property. Professional liability will cover any damages to someone else’s property that is caused by a mistake on the part of one of your employees or a product defect. You are liable, even if the injury was unintentional. Personal or bodily injury is one of the most common forms of liability. Slip and falls, tripping, or objects falling from shelves can all result in a personal injury claim.

3. Workers’ Compensation, Health, and Life Policies

Workers’ compensation, health, and life insurance policies do not fall into any other insurance categories. While some people may try to recognize a workers’ compensation as a gap policy, it is in its own category.  Group health and life insurance policies are dealt with in the same manner. Employees have a choice as to whether they want to purchase them. However, the rates are lower for group insurance policies.

4. Supplemental or Gap Policies

Supplemental or gap insurance covers all of the other types of damages to which your business may be susceptible. This includes umbrella coverage, fleet insurance, business interruption, floods, earthquakes, and hurricane insurance. In today’s tech-savvy world, data breach or cyberattack insurance is also a must.

Though there are many different types of gap policies, the most common ones are those that cover floods, earthquakes, and hurricanes. Gap policies cover risk factors that do not affect everyone. Businesses that are located inland will rarely experience hurricanes. Businesses located along the coast, on the other hand, will readily purchase hurricane insurance to protect themselves against loss in the event of a storm that comes to shore.

These are a few different types of insurance coverage that you must consider in order to protect your small business. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We look forward to helping you with all your coverage needs.

4 Things to Consider While Renewing Your Car Insurance

Renewing your car insurance doesn’t have to take a lot of your time. You can complete the task in just a few minutes if you have the information you need and are ready to get started. Keeping your car properly insured is the best way to protect yourself from financial loss. It only takes a few minutes of your time to save yourself a lot of money. Talk to your insurance agent if you have any questions.

Here are 4 things to consider while renewing your car insurance.

1. Compare Your Policy to Others

It’s always a good idea to compare your policy to what other carriers are offering. Ask your agent to provide information on policies from multiple carriers. Review your policy with your agent and find out what they can do to give you the best value for the best coverage. This way the agent can guide you to select the insurance coverage that suits your needs and budget.

2. Know When Your Current Policy Expires

Know what your policy contains and when it expires. If you plan on buying another policy from a different insurance company, you will need to know when your current policy is going to expire. You don’t want to have a lapse in your coverage. When you buy your new policy, make sure it is in place the day before or the day that your current policy is set to expire. You will want to let your current insurance company know that you have a new policy in place, so they don’t charge you to auto-renew your old one.

3. Review Your Coverage and Adjust If Needed

Before you buy a new policy, go over your old one thoroughly to make sure it is accurate and up to date. A recent marriage, graduation, divorce, or other life-changing events may have a direct impact on your policy. Take a few minutes to go over it carefully and make notes about any possible changes that will be needed when purchasing another policy.

4. Know Your Budget

Know your budget and how much you have a month to continue to spend on auto insurance. Keep in mind how much you are currently paying and use that as your starting point. If you’ve made a few adjustments, that may drop or raise your policy depending on what adjustments were made. Go over your policy carefully and be aware of any discounts you may be eligible for.

Steps to Renew Your Car Insurance Coverage

Policies can be renewed online, while cancellation requires a phone call to your insurance agent. Here’s how you can renew your car insurance coverage.

  1. Check when your renewal is due.
  2. Review your bill to check for a possible change in rates (maybe because of loyalty discount or claim-free discount).
  3. Ask your agent about new discounts.
  4. Compare customized quotes from other providers.
  5. Proceed with online renewal or sign up for a new policy.
  6. Cancel your old policy, in person or online, if need be.

It won’t take you long to renew your auto insurance policy if you go into the process fully prepared. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

How Can I Get a Life Insurance Policy with No Medical Exam?

Buying a life insurance policy can be overwhelming. Many people don’t even consider buying a life insurance policy because they are afraid they won’t pass the medical exam. Contrary to what many people may have heard, there are life insurance policies available that do not require a medical exam. They are somewhat more expensive and may not provide a higher payout, but they are available for individuals who are willing to look for them.

Medical Exam or No Medical Exam?

People who are in good health will usually have no problem passing a medical exam for a life insurance policy. Others, however, may be worried that they will not pass. During a medical exam for a life insurance policy, the doctor will look for any existing or potential health concerns that may mean a shorter lifespan. They may also include information about your family history as well. Even if nothing major is currently wrong with you, the potential risk of devastating illness may impact what the doctor says about your exam.

Discuss the Different Types of Policies

Many policies do not require you to have a medical exam prior to purchase. Simple term life policies are set up for a pre-determined amount of time and the payout will not change. Universal policies that can build up cash value may also be available without a medical exam. It’s important to understand that, in most cases, you can buy different types of policies without an exam. The major difference is how much it will cost you and the trade-offs that are included. Higher premiums and reduced payouts for the first few years are common downsides to any policy that doesn’t require a medical exam.

Types of No-Exam Life Insurance

  1. Simplified Issue Term Life Insurance- It has a set term length with no cash value component.
  2. Simplified Issue Universal Life Insurance-It offers fixed cost and death benefits throughout the policy’s life.
  3. Level Death Benefit Whole Life Insurance-It is a permanent form of life insurance with fixed costs and death benefits.
  4. Guaranteed Issue Life Insurance-It is a “no questions asked” policy and is usually purchased by people with medical problems or advanced age.
  5. Graded Benefit Whole Life Insurance-It offers lifetime coverage but at higher costs, and the death benefit is reduced for the first 2 years.
  6. Rapid Decision Senior Whole Life Insurance-It is often issued in less than a week, hence the name “rapid decision.”

Start Early If You Can

The earlier you consider buying your life insurance policy, the less likely you are to have health issues. In many cases, a young man or woman in their 20’s may not be required to submit to a medical exam if they are in good health when they first apply. Starting early has two primary benefits. First, the younger you are the better your health. Secondly, your monthly premiums will be much lower than if you purchase your life insurance when you are much older. Set your goals and purchase your first policy now. You can adjust it as needed later.

Be Willing to Pay a Little More

The older you are when you buy your insurance, the more you will have to pay monthly premiums. Almost any type of insurance policy can be purchased without a medical exam if you are willing to pay the higher cost for your monthly premiums. Some insurance companies will allow you to purchase a life insurance policy without a medical exam if you are willing to make a few concessions. First, would be the higher premiums, and second, you may be required to take a reduced payout for the first two to five years.

Having trouble understanding your life insurance and why you may need a medical exam?  Contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.  

Refinancing Your Mortgage: When You Should Consider It

Your mortgage is a valuable financial tool. Understanding why you should consider refinancing your mortgage will make it easier for you to figure out how you should refinance it. Taking a few minutes to go over the benefits will give you an idea of what you will gain from refinancing your mortgage.

Reduce Your Payments

One of the primary reasons behind refinancing a mortgage is lowering the payments you make every month. Extending the life of your loan or getting a lower interest rate will decrease your monthly payments. Although the length of your loan may be extended, lower payments will allow you to pay more than the minimum monthly payment and apply that extra towards the loan principal. Reducing the amount of your monthly payments can also free up money each month to pay off other debts.

Make the Most of Your Equity

Your home’s equity can be extremely useful when it comes to paying off other types of debt. By refinancing your mortgage, you can access the equity in your home and use it for various purposes. You can access as much of your equity as you need to accomplish your financial goals. The more equity you have in your home, the more you can borrow. Many people borrow against their home’s equity to remodel or improve their home, raising its overall value.

Shorten the Life of Your Loan

For some people, refinancing your mortgage may be a way to shorten the life of your loan. If your original mortgage was a 30-year loan, refinancing could give you the option to shorten the life of your mortgage to 10 or 15 years. The interest rate may be somewhat higher, but your loan will be paid off much sooner, and less money will be spent on interest over the life of the loan. Shortening the life of your loan will also allow the equity in your home to build much faster.

Change Your Interest Rate from Adjustable to Fixed

If your first mortgage had an adjustable-rate mortgage, the rate could change over time. Interest rates go up and down with the stock market and can fluctuate frequently. Refinancing your mortgage can allow you to change your adjustable interest rate to a fixed interest rate that doesn’t change over the course of your loan. Having a fixed interest rate ensures that your payment doesn’t fluctuate, and you can keep better track of your budget.

There are many benefits associated with refinancing your mortgage. Knowing how and why you should refinance your loan is essential if you are trying to make sound financial decisions. Do you have additional questions about refinancing your mortgage?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

Get a Renters Insurance Quote: Compare and Save!

Renters insurance protects your possessions in your apartment just like a homeowners policy protects your home. It offers liability coverage in case someone is injured while visiting your home. It is also designed to provide you compensation if your personal property is damaged or stolen. It’s important to remember that not all insurance companies are the same, and neither are their policies. Comparing prices, policies, and companies is the best way to find the perfect policy for your needs.

Price

Different companies offer renters insurance at different prices. While the policies may seem the same, some companies may charge additional administration fees. The cost of the premium may vary depending on what you have included in your policy as well. Ask your agent if your premiums are cheaper if you pay for a full year upfront, rather than making monthly payments. While the price is a huge factor for many, it isn’t the only thing you should consider. Most potential buyers look at price first and then research the company. No matter what area you start with, it’s essential that you take all of the information you receive into consideration.

Reputation

When searching for any type of insurance, you need to learn as much about the company as possible. Do they pay claims on time? Are they easy to reach if you have questions? Do they make any changes promptly? Their reputation for customer service is a good indicator of how they will treat you when you file a claim. The bigger a company is, the more visible it is. However, that doesn’t always mean they have the best reputation for coverage or customer service.

Discounts

While there are fewer discounts for renters insurance than homeowners insurance, you may be able to uncover one or two. Adding a security system and cameras is one way that you can prevent your home from being broken into or vandalized. Living in a secured apartment building may also garner you a small discount. Discounts may be offered if you choose to bundle your renters and vehicle insurance. However, not all discounts save you money. A good example is a professionally monitored home security system. You could spend more on the security system than what you save with the discount, depending on your personal choice.

Coverage and Exclusions

When looking for renters insurance, make sure you find out what is covered and what exclusions are written into the policy. This is important so that you fully understand what you are paying for. If you don’t know what a phrase means, ask your agent and have them explain it in detail for you. Water damage is one area where there may be confusion about coverage and exclusions.

Finding the right renters insurance is essential. Comparing prices, insurance companies, and individual policies will help you determine which policy will best suit your needs and budget. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

5 Tips to Lower Your Homeowners Insurance Cost

Home insurance rates can be quite costly if you don’t compare rates and policies. If you want to get the lowest home insurance premiums possible, you need to find the right policy for your home and family. There are several things you can do to lower your premiums and keep your house sufficiently covered. Talking to your insurance agent regularly is the first step.

Here are 5 tips to help you lower your homeowners insurance cost.

  1. Do A Little Comparison Shopping

When you buy a home, your lender may recommend a specific insurance company. However, it is up to you to choose the insurance carrier and policy you think will be the best for your needs. Talk to your current agent to find out what they have to offer. If you don’t like what you hear, keep looking. Getting quotes from two or three insurance providers will give you a good idea of what type of coverage is available for what you are willing to pay.

  • Ask About Discounts

Most insurance companies offer a variety of discounts to homeowners to help reduce premium costs. Simply performing a few upgrades to your home can make you eligible for certain discounts. Putting up a privacy fence, installing a home security system, or adding exterior lighting in your landscaping are all ways you can reduce your risk of liability or loss. Once you have completed any new improvement, contact your insurance agent to determine if there are discounts you may be eligible for. Bundling your home and auto insurance is another way to lower your home insurance costs.

  • Review Your Policy Every Year

Things can change from year to year and could affect your homeowners insurance. You might make a few home improvements or add on another room. Review your homeowners insurance with your agent every year or two so that you know you have all of the coverage you need and that you are taking advantage of every discount for which you are eligible. Review your deductibles as well. Talk to your insurance to ensure that any of your items that need additional coverage are protected as well.

  • Raise Your Deductible and Lower Your Premiums

Raising your deductibles will also lower your home insurance premiums. When you first purchase your policy, you can choose a lower deductible to make your premiums much higher. If you raise your deductible, the reverse happens. Higher deductibles will lower your monthly premiums and make them more manageable. The only time you will really notice that your deductible has been raised is if you file a claim. Many people find the monthly savings to be worth having a higher deductible. It is essential not to choose one that is too high or will cause undue hardship should you need to file a claim sometime in the future.

  • Find Out if You Need Flood Insurance

Homeowners insurance normally does not cover floods. If you live in a flood plain, it’s important that you look into flood insurance. Talk to your agent and find out how much it will cost to include flood insurance with your homeowners policy. This will allow you to include it in your budget and get the coverage in place.

Lowering your homeowners insurance premiums can be a challenge. However, with a little bit of research, you can often find a few options to help bring down the costs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

Will My Home Insurance Cover Pipe Bursts?

Specific types of water damage are covered under most homeowners insurance but that doesn’t always include burst pipes. Some policies will cover water damage that is caused by burst water pipes if the cause is deemed an act of God. A burst pipe that is caused by faulty plumbing or a malfunctioning appliance can pose a unique situation where only part of the damages will be covered. In these cases, usually, the cost of repairing the pipes will be your responsibility to cover. If it is determined that the burst was caused by normal wear and tear, you may be responsible for the entire amount.

HO-2 vs HO-3 Policies

An HO-2 policy offers broad but very basic coverage that will cover most types of damage. This includes the damage from burst water pipes, with a few exceptions. An HO-3 policy goes a step further and will cover any type of water damage that isn’t listed as an exclusion. Common exclusions include flooding, sewer back-ups, and foundation leaks. Water damage that leads to black mold is also considered an exclusion and may not be covered.

Certain Perils May Not Be Covered

When it comes to water damage, it is up to the homeowner to prove that the damage was caused by an unpredictable event and not basic wear and tear. If plumbing is more than a few years old, the insurance company may deny your claim based on the fact that the damages were caused by normal wear and tear. When the water damage is allowed to remain in place and black mold begins to form, the insurance company can also deny the claim if you have an HO-2 policy.

Partial Coverage

There are situations in which at least part of the water damage may be covered. When a burst pipe claim is approved, the insurance may cover the actual water damage but will deny the part of the claim requesting compensation for repairing the pipes themselves. All policies are somewhat different in how they are written. Some policies may cover specific perils or incidents, while others won’t. This applies to exclusions as well. It is important to understand your policy’s details to know what types of partial coverage are included.

Ask for a Policy Review

Many people do not know all the details of what their insurance does and does not cover. If you fall into that category, call your insurance company, and ask for a review of your homeowners policy. Your agent will go over what is covered and what is not so that you have a full understanding of everything that is included in your policy. You will also be able to ask any questions you may have about whether or not your policy is sufficient to meet your needs.

Don’t wait until you have a pipe burst to find out if you have the right type of homeowners insurance coverage. Take the time to review your policy and ask whatever questions you need to to feel secure that you have enough coverage. After a review, you may choose to upgrade your policy to ensure you have the type of coverage you want. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

Ways to Winterize Your Vehicle for a Smooth Drive

As the seasons change and it starts to get colder, it’s also the perfect time for you to make adjustments to your car maintenance in order to withstand the wear and tear of winter driving. When you winterize your car, you reduce the chances of having car troubles during the season.

Here is a look at multiple ways that you can winterize your vehicle to help ensure that you have a smooth driving experience during the winter.

  • Have Your Tires Checked
    Getting your tires checked should be at the top of your checklist. Your tires are the foundation of your vehicle. Check your tires every week to see if they are starting to lose tread or pressure. If your tires are worn, you should replace them immediately. All terrain tires are normally a good investment during the winter. Having a strong set of tires is especially important if you live in an area where it snows regularly and the roads are icy. Winter tires will grip the pavement, which decreases the chances of you being involved in an accident.
  • Make Sure That Your Car Has Antifreeze
    As you go through the process to winterize your vehicle, check your antifreeze. Every year, you should drain your car radiator and add new coolant. If you are not aware of your vehicle’s optimal coolant level, check your manual. Also, make sure that the tank fluid levels are appropriate. This will prevent your vehicle from having internal issues.
  • Make Sure That You Always Have Gas
    Try to keep at least a half tank of gas in your car at all times. Keeping gas in your car will prevent any excess moisture in the gas line from freezing. Also, keeping at least a half tank of gas in your car will decrease the likelihood that your car won’t start during the winter. This should give you peace of mind throughout the winter months.
  • Check Your Headlights
    Driving during the winter can be extremely dangerous when you aren’t aware of your surroundings at all times. Check your headlights to make sure that they are working properly. It’s very difficult to drive safely without functioning headlights. If your headlights are dirty, be sure to clean them, as it should only take a few minutes. If your headlights are really foggy or damaged, you may have to replace them in order to decrease your chances of being involved in an accident.
  • Inspect Your Windshield Wipers
    Inspecting your windshield wipers should also be on your checklist. In order to have maximum visibility while you are on the road, replace your windshield wipers if they are starting to erode. During the winter, excess sand and salt builds up on your windshield, which can seriously impact your driving ability. You may have to change your wiper blades to a more powerful model to break down the snow and ice. If necessary, replace the wiper fluid to a winter-based formula.
  • Check Your Car Battery
    During the winter, you may have the occasional issue starting your car. However, checking your car battery will prevent more serious problems from happening. Your battery cables should be secure. Check to see if there is any build-up around the battery. If your headlights are extra bright before you start your engine, that’s a sign that something is wrong and you need to have a mechanic take a look.
  • Change Your Oil and Brake Fluid
    Change your oil to winterize your car. Consider using a less thick water-based oil for better lubrication. Check your brake fluid to see if it needs to be replaced. Inspect your brake pads to see if they need to be replaced due to excess wear.
  • Wash Your Car
    Washing your car regularly will prevent salt and snow build-up on your car, which impairs your visibility as you are driving.
    Winter driving can be dangerous, but winterizing your car using the above tips can help keep you safe. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

7 Tips to Save Money During this Holiday Season

The holidays are a time for being thankful and reflecting on the year. One of the most popular traditions during the holiday season is gift giving. Whether they are treating themselves to something nice or buying something special for others, people spend millions of dollars every year on gifts. This year, though, things are different due to the ongoing COVID-19 pandemic. Instead of buying lots of gifts, people are saving money during the pandemic. If you are looking to save money and avoid going into debt this holiday season, there are a few things that you can do.

Here are some money-saving tips to help you maintain your financial independence during the holiday season and these uncertain times.

Start Saving Ahead Of Time

Try to start saving money a few months before the holiday season. If you start managing your expenses during the fall, you’ll have less expenses to cut back as the holiday shopping season approaches. If you start searching for money-saving tips right before the holiday season, you’re likely starting too late to enjoy substantial savings.

Research Deals

The ongoing pandemic has left millions of people out of work and struggling to make ends meet. For that reason, there is pressure on every single purchase that you make. One of the top money-saving tips during the pandemic is to search for deals. Deals and special sales make the holiday shopping process easier and less expensive. By searching for deals throughout the holiday season, you could potentially save hundreds of dollars.

Do Some Early Shopping

If you pinpoint one or two gifts that you would like to purchase, try to buy the gifts ahead of time. Due to the pandemic, you’ll likely have to do all of your shopping online. Doing early shopping will help you avoid expensive shipping fees. The closer it gets to Christmas, the more difficult it becomes to find a great deal that will still ship to arrive on time. One of the most important money-saving tips is to shop early.

Make Another Account

One way to keep saving money during the pandemic while also allowing you to set aside a few dollars for gifts is through opening a new account specifically for your holiday expenses. Opening this account should help keep you focused and ensure that you don’t spend too much money from your regular expenses fund. Any money you put aside for expenses but didn’t use can be saved in your new account to start earning interest. This is one of the more underrated money-saving tips during the pandemic.

Look Into Autosaving

Ask your bank if they have an autosave feature. Many banks use an autosave feature that transfers money after you make a purchase. The money heads from your checking account into a savings account. If you sign up before the holiday season, you can enjoy even more discounts and potential savings.

Ask Around

Speak with some of your friends and family who are also implementing money-saving tips and exchange some ideas. While you may not be able to meet in person because of the pandemic, you can video chat or exchange ideas over the phone. If you are planning a safe holiday dinner with friends and family, consider holding a potluck to reduce your expenses.

Stick to Your Budget

Thousands of people go into debt every year during the holidays because they purchase expensive gifts that they really cannot afford. The ongoing pandemic has tightened budgets as well. The easiest way to save money during this difficult time is to only make necessary purchases. Do not seek to purchase luxurious gifts if you don’t have the means. Avoid getting a loan or a new credit card, as you may end up going into debt. Make a list of two or three gifts that you can realistically afford and stick to those.

The COVID-19 pandemic has been difficult for everyone and saving money is extremely important at the moment. However, if you stay disciplined, you can manage your finances while also enjoying the holiday season. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We look forward to helping you with all your coverage needs.

5 Defensive Driving Techniques to Keep You Safe on the Road

No matter how old you are, practicing safe driving habits is always an essential part of driving. Insurance agents will offer safe driving tips to their clients to encourage them to be as careful as possible. It only takes a second to lose control of your vehicle. Making a conscious effort to be safe will ensure that you take the precautions you need to prevent an accident.

Here are 4 defensive driving techniques to keep you safe on the road.

1. Avoid Being a Distracted Driver

Eliminate distractions that will take your attention away from the road. Put cell phones out of reach or use hands-free technology. Avoid changing the stations on the radio or putting information into the GPS. If you have a young driver in the family, limit the number of passengers to avoid distractions.

2. Be Aware of Your Surroundings

Always be perceptive of your surroundings, including road conditions and any construction that may be in progress. If someone is stranded by the side of the road or the police has made someone pull over, move aside, and give a wide berth to prevent hitting the disabled or otherwise detained vehicle. Look around your vehicle and be aware of where other drivers are and what they are doing.

3. Don’t Rush!

Always take your time. Rushing is when accidents are most likely to happen. Take a little extra time to get where you need to be. If you don’t want to risk being late, leave a little earlier than usual. Slow down and drive as close to the speed limit as possible. Everyone on the road has somewhere they need to reach. Remember that the way you drive will determine how safe you and the others reach their destination. The extra few seconds you take to be mindful of what is happening around you may make a world of difference in preventing a major accident.

4. Defensive Driving Courses

Defensive driving courses are a great way to brush up on your driving skills. These days, most courses are offered online and contain the most up-to-date information possible regarding laws and defensive driving safety tips. Successful completion of such courses may even get you a discount on your auto insurance policy. Defensive driving courses aren’t just for young drivers. They are an excellent way for a seasoned driver to reinforce what they already know.

5. Know What Your Policy Covers

Knowing your unique needs and the terms of your existing policy will help you re-evaluate your needs in line with the available insurance coverage. You can talk to your agent for additional coverage if your current policy doesn’t cover all your auto insurance needs.

Following these five defensive driving techniques could spell the difference between life and death not only for you but also for others on the road.

In addition to these techniques, make sure that you have the right auto insurance coverage to meet your unique car insurance needs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.