A.O. Wing Insurance Agency
 
A.O. Wing Insurance
 
 
 
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Call Us Today: 614-837-9464
info@aowingins.com | 511 Main St, Groveport OH 43125
 
 
 
 
 
 

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UMBRELLA INSURANCE

When you purchase standard home or auto policies, you obtain liability coverage up to certain limits. In most policies, these limits are capped at $300,000 or $500,000. With increasing medical costs and an increasingly litigious society, adequate liability insurance is a must.

Most people never plan for medical costs or legal fees due to an at-fault accident, but it can happen to anyone at anytime. Being ready for it is one of the easiest things you can do.
 
What would happen if your dog were to bite a neighbor's child? What happens if there is an accident on one of your rental properties? Maybe there is a fire in your condo that spreads to other units. If any of these were to happen, there is a good chance that your standard limits on your homeowners' policy would not cover the damages which means that the fiscal responsibility falls on you, your hard earned savings, and maybe even your future earnings.

PERSONAL UMBRELLA POLICY = PEACE OF MIND

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

WHAT'S PEACE OF MIND WORTH TO YOU?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home insurance, auto insurance, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you're covered.

DO YOU HAVE ENOUGH LIABILITY INSURANCE?

Imagine if your dog were to bite a neighbor's child. Or if there's an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets — or your future earnings.

LIABILITY INSURANCE STARTS WHEN THE OTHERS STOP

Once the liability limits are exhausted on your home insurance, auto insurance or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.

BROAD COVERAGES

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Legal defense fees are also paid.

Given a few minutes of thought, it is not too hard to come up with countless scenarios where home or auto insurance might fall short of paying the consequences of an at-fault accident. In liability lawsuits, the judgments awarded frequently exceed the defendant's net worth. Personal Umbrella insurance is surprisingly affordable for additional peace of mind. Let A.O. Wing Insurance Agency help you determine your risk factors and decide the proper amount of coverage.
 

PRIVACY POLICY

A.O. Wing Agency is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the A.O. Wing Agency Website and governs data collection and usage. By using the A.O. Wing Agency website, you consent to the data practices described in this statement.

COLLECTION OF YOUR PERSONAL INFORMATION

A.O. Wing Agency collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. A.O. Wing Agency also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by A.O. Wing Agency. This information can include: your IP address, browser type, domain names, access times and referring Website addresses. This information is used by A.O. Wing Agency for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the A.O. Wing Agency Website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through A.O. Wing Agency public message boards, this information may be collected and used by others. Note: A.O. Wing Agency does not read any of your private online communications.

A.O. Wing Agency encourages you to review the privacy statements of Websites you choose to link to from A.O. Wing Agency so that you can understand how those Websites collect, use and share your information. A.O. Wing Agency is not responsible for the privacy statements or other content on Websites outside of the A.O. Wing Agency and A.O. Wing Agency family of Websites.

USE OF YOUR PERSONAL INFORMATION

A.O. Wing Agency collects and uses your personal information to operate the A.O. Wing Agency Website and deliver the services you have requested. A.O. Wing Agency also uses your personally identifiable information to inform you of other products or services available from A.O. Wing Agency and its affiliates. A.O. Wing Agency may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

A.O. Wing Agency does not sell, rent or lease its customer lists to third parties. A.O. Wing Agency may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, A.O. Wing Agency may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to A.O. Wing Agency, and they are required to maintain the confidentiality of your information.

A.O. Wing Agency does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

A.O. Wing Agency keeps track of the Websites and pages our customers visit within A.O. Wing Agency, in order to determine what A.O. Wing Agency services are the most popular. This data is used to deliver customized content and advertising within A.O. Wing Agency to customers whose behavior indicates that they are interested in a particular subject area.

A.O. Wing Agency Websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on A.O. Wing Agency or the site; (b) protect and defend the rights or property of A.O. Wing Agency; and, (c) act under exigent circumstances to protect the personal safety of users of A.O. Wing Agency, or the public.

USE OF COOKIES

The A.O. Wing Agency website may use 'cookies' to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize A.O. Wing Agency pages, or register with A.O. Wing Agency site or services, a cookie helps A.O. Wing Agency to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same A.O. Wing Agency Website, the information you previously provided can be retrieved, so you can easily use the A.O. Wing Agency features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the A.O. Wing Agency services or Websites you visit.

SECURITY OF YOUR PERSONAL INFORMATION

A.O. Wing Agency secures your personal information from unauthorized access, use or disclosure. A.O. Wing Agency secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

CHANGES TO THIS STATEMENT

A.O. Wing Agency will occasionally update this Statement of Privacy to reflect company and customer feedback. A.O. Wing Agency encourages you to periodically review this Statement to be informed of how A.O. Wing Agency is protecting your information.

CONTACT INFORMATION:

A.O. Wing Agency welcomes your comments regarding this Statement of Privacy. If you believe that A.O. Wing Agency has not adhered to this Statement, please contact A.O. Wing Agency at eve@aowingins.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.