Commercial Property & Auto Insurance In Kansas City
Hi, My Name is Brigitte
My name is Brigitte Chavarria and I am a licensed commercial agent here at Ruth & Associates Business Solutions. When I am not at work, I am a full-time mom and enjoy spending time with them designing crafts and dancing. I like to think I am a natural nurturer that likely derives from experience in my previous career as a Registered Nurse. I have a passion for helping others and a career in insurance has surprisingly fit those qualities that I love to share with others.
My job requires me to briefly interview our prospects in order to obtain all of the information necessary to generate a great quote or policy. I then help our clients understand the coverages that are requested or required of them for job contracts, home & auto loans, among other insurance required processes.
– Brigitte Chavarria
Commercial Property & Auto Insurance With You In Mind
Whether you are looking to insure your Pickup Truck, SUV, or your luxury sedan, or your commercial real estate, we are sure to find you great coverage at an affordable price with one of our A.M. best-rated carriers. While commercial property and auto insurance is something that is very important to maintain, finding a quality and affordable policy remains a tedious and unenjoyable experience for many.
Here at Ruth & Associates Business Solutions, we will help ease the frustration by removing the task of you quoting directly and instead take a personal one-on-one approach to your specific needs and budget. We thoroughly explain the coverages you are obtaining whether they be the state minimum limits or full coverage insurance.
Auto Insurance Services
SR22 Insurance (Non-Owners Policy)
Auto Insurance FAQ
What is liability coverage insurance?
Liability insurance is the most standard car insurance, which only protects other drivers from bodily injury or property damage. In simpler words, it covers the vehicle you have damaged, but not yours.
What is full coverage insurance?
Although full coverage is more expensive, there is a lot that it covers. Unlike liability insurance, full coverage will cover the vehicle damage and yours, but a deductible is necessary.
What is SR22 Insurance?
Don’t know what an SR22 is, or don’t know what it means? An SR22 is usually either a court or state order, but you will always receive a notification stating that you are required to have one. Below are the reasons why you may be required to have this filing:
- DUI or DWI conviction
- Driving without insurance
- Driving with a suspended license
- Too many offenses, at-fault accidents, or violations
Being required to have an SR22 does not mean you have to own a vehicle and insure it as well. Thanks to our large selection of carriers, you can opt for a Non-Owners Policy while still meeting your state/court requirements.
A Non-Owners Policy does not require that you own a vehicle. If you borrow someone’s car on a regular basis and are not on their policy, a Non-Owners Policy would still have you covered. Although it does not offer comprehensive and collision, it does provide liability coverage if you are in an at-fault accident.
Do I need full coverage or liability?
If your vehicle is financed, you need full coverage insurance, however, if you own it outright, full coverage is not required.
What determines the cost of my policy?
Your driving record, age, and the year make and model of your vehicle.
Do I need a drivers license or state Id to get insured?
You do not need a driver’s license or state Id to get Auto Insurance.
Get insured in 3 easy steps!
In this step we are identifying your needs so we can provide you with the best solution possible!
Once we have all of your information, we can submit it to the provider and get you an affordable quote!
Get protected so you can build your business!
Ruth & Associates Business Solutions is an agency trailblazing its way through the gaps and barriers that every business owner has at one point ran into. We want to strive to establish a new type of agency in a world full of them. An agency built around the needs of our clients, simply a “Business Agency”. We work together as a team and help guide you to achieve your business’ needs, goals, and objectives.