Monthly Archives: February 2020

Why every company should carry business interruption insurance

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Owning a business takes a lot of dedication and devotion. If you are a business owner in the Green Valley, AZ area, it’s time to sit down with the team at the Insurance Center of Green Valley. We are here to help our commercial clients obtain the proper insurance for their companies. Don’t wait until it’s too late to find out about the many benefits of business interruption insurance. It is an important part of comprehensive commercial insurance and can make a significant difference if your company suffers a covered event. 

Benefits of business interruption insurance

If your business suffers a loss due to a covered event it can be difficult to get everything back up and running in a timely manner. With business interruption insurance your bottom line will be protected while you repair any damage that has occurred. Having this type of coverage can mean the difference between going under and returning to a robust and profitable business. There are too many risks and unknowns that face business owners today, and having this coverage can truly be a lifesaver. Don’t wait until it’s too late to find out about this incredibly beneficial type of protection. Having your production knocked offline, or all of your inventory damaged are just two examples of the many ways that a covered event can cause chaos. With this type of protection, you will be able to weather the storm!

The Insurance Center of Green Valley is here to guide business owners in the greater Green Valley, AZ area. We are proud to serve the insurance needs of our community and look forward to working with you! Call or stop by today and find out more about the business interruption insurance policies available in our area.

Three things you should know before you purchase home insurance

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Selecting your home insurance policy is one of the most important decisions you make when you buy your home. At Insurance Center of Green Valley, we offer home insurance policies in Green Valley, AZ.

There are a few things you need to know about purchasing home insurance before you get started. The following are three things you should know before you purchase home insurance.

You’ll need to choose between replacement cost or actual cash value.

One of the biggest distinctions in home insurance policies is the distinction between replacement cost and actual cash value policies.

A replacement cost policy will cover you to replace your home or any part of your home that becomes damaged. An actual cash value policy will simply compensate you for the current value of your home minus depreciation.

Actual cash value policies are generally less expensive than replacement cost policies. 

You’ll be able to choose from among different deductibles.

One big choice you’re going to make is how much you want your deductible to be. Remember that your policy will be less expensive if you choose higher deductibles. 

Your policy isn’t going to cover everything. 

Those who are first-time homebuyers are often surprised that a standard home insurance policy leaves out so much. Damage caused by issues like flooding or damage caused by inadequate home maintenance will not usually be covered.

While add-on coverage might be available for some of these issues, it’s basically impossible to have a home insurance policy that’s so thorough that it covers everything. 

If you have questions about home insurance options in Green Valley, AZ, let us know. We’re here to help you with your home insurance needs at Insurance Center of Green Valley.