For those located in the Green Valley, AZ area, driving a car is a practical necessity. When driving a car in the area, having the minimum amount of liability insurance coverage in place at all times is a requirement by law. While the state minimums in Arizona require you to have liability coverage, they do not provide coverage for your vehicle. One additional type of coverage that people should consider getting is comprehensive insurance. This type of insurance will provide coverage in the event your car is stolen, vandalized, or if you are involved in an accident with an animal. There are several situations in which you should have comprehensive coverage.

Valuable Car

One of the most important situations in which you will need to have comprehensive coverage in place is you have a valuable car.  Buying a car is a very big investment and purchase. Because of this, you will need to make sure it is properly covered. If your car is too expensive to replace out of pocket, having the additional coverage in place is a necessity. In a situation of theft or damage, you will receive full reimbursement minus your deductible.  

Loan Requirements

If you took out a loan to buy your car, your lender will likely require you to carry comprehensive insurance. To ensure you are in compliance with the loan, you will need to have comprehensive insurance coverage equal to at least the amount of your outstanding loan balance.  

When you are looking to build an auto insurance policy, contacting the Insurance Center of Green Valley is a great option. The Insurance Center of Green Valley is able to help Green Valley, AZ area residents better understand their auto insurance needs. They can then help anyone get into a policy that provides the right types of coverage.  

Even before the first day you open the door for business, you need to start preparing to protect yourself from risk. A single accident or natural disaster could destroy your company if you don’t have the right level of protection. If you live in or around Green Valley, AZ, you can talk to the Insurance Center of Green Valley about these important kinds of business insurance.

• Property Insurance — This coverage will protect the building and its contents including signage, equipment, furniture, and supplies. 
• Business Interruption — If there is a disaster or other major unforeseen event, your business may not be able to operate for a period of time. Business interruption insurance will help replace the loss of income you suffer during that time.
• General Liability — If someone is injured on your property or because of your products, a general liability policy will compensate the victim for any medical bills or property damage and pay for the cost of any litigation you incur as a result.
• Product Liability Insurance — If your business creates products for sale on the open market, you will need to protect yourself from any claims that people were harmed by them.
• Automobile Insurance — If your company owns, hires or leases vehicles that are used to conduct business, you need to at least have commercial automobile liability insurance to protect them and any third parties who may become involved in crashes.
• Workers’ Compensation Insurance — To protect employees, you can purchase a policy that will pay their medical bills and lost wages if they are hurt on the job.

Your business in Green Valley, AZ will have its own needs, so call the Insurance Center of Green Valley today to make a plan that best protects your business.

Businesses looking to mitigate risks and exposures from ongoing operations utilize commercial insurance to limit their financial liability. These policies are a necessity for protecting entire organizations from ruin, in case of litigation and other exterior threats. Coverage options are contingent on the inherent risks a business faces in their operating environment.

What’s Covered?

Commercial insurance is designed to help businesses mitigate the risk of loss due to potential disruptions and lawsuits stemming from certain events. These events include business interruptions from made-made or natural disasters. Theft, property damage and worker injury may also be covered depending on the circumstances. Commercial policies are intended to shield businesses from general liability issues that could damage or inhibit ongoing operations.

A qualified insurance professional can tailor coverage to meet the needs of business owners, helping to ensure that companies can continue operations in case of litigation and unfavorable judgments’. The financial strain of not having coverage can be too much to withstand.

Who Needs Coverage?

The size and the location of businesses dictate coverage amounts and options, but all companies stand to benefit from commercial insurance. This is true of home-based businesses and large corporations alike. For small business owners, commercial coverage can mean the difference between continuing operations and shutting down the company, if there is extensive litigation and liability. All business owners should consider coverage and the protection it can provide their companies.

To learn more about getting commercial insurance in Green Valley, AZ, please contact the Insurance Center of Green Valley. There are a myriad of risks facing modern businesses that can only be mitigated with the right insurance coverage. Commercial insurance can shield businesses from loss and disruptions.

You may have a commercial insurance policy from Insurance Center of Green Valley to cover any normal damages to your business in Green Valley, AZ. But it can be confusing to understand exactly what your policy covers, and if you will need additional coverage to meet the particular demands of your business.

Many businesses do work entirely at one location, with supplies being delivered to the building. Many other businesses, however, have the need to operate at locations away from the main location. They may have other locations where they store supplies, or employees may need to go from place to place to perform essential tasks relative to the business operations.

What happens if, during the course of that activity, there is an accident? For example, an employee may need to drive to another location for a delivery. If he runs a red light, he will normally be liable for the damages. However, if he was there only because he was working for your business, it is the business that will probably be held liable.

If the employee is driving his own vehicle, his insurance is unlikely to claim responsibility. You should have a commercial auto insurance policy if your employees drive while on the job. You can also obtain a more comprehensive insurance policy to make sure that outside structures and supplies are covered under your insurance policy.

In order to make sure that you have all the coverage you need, it is always best to read your policy carefully and discuss it with your insurance agent. Know the exceptions and limitations. For the commercial insurance policy that best protects your business in Green Valley, AZ, call Insurance Center of Green Valley today.

Contractors working in the Green Valley, AZ area are required to purchase commercial bonds in order to legally do business in their chosen field, as it is a requisite for being issued a license. This provision provides homeowners and business owners with protection when hiring workers, as it provides surety for unfinished work, unpaid permits, damage done to property, and unpaid subcontracted work up to two years after the last services were performed. Contractor bonds can be purchased through your commercial insurance agency. 

Bond Basics

In Arizona, a professional must apply for a commercial bond amount that corresponds with his or her labor classification. In addition, the laborer will need to project their estimated gross volume for the year and must obtain commercial bonds for approximately that sum total.  Bonds exist in several different types: payment bonds that ensure that subcontractors will be paid, performance bonds that provide surety for nonperformance, and bid bonds that protect project owners from successful bidders who choose not to come under contract. 

Bonds are continuous, are without a termination date, and a contractor may be required to pay a premium periodically to the issuing insurance company. A company can cancel a bond, but they must provide 30 days notification, during which a contractor is required to find a substitute to keep from having their license suspended.  

Insurance Center of Green Valley Can Assist You

If you need to purchase commercial bonds, the Insurance Center of Green Valley is here to answer all your questions. We are experienced in helping the residents of Green Valley, AZ with all their commercial insurance needs, and we consider it a privilege to work for you. Contact us to speak to one of our friendly representatives, and we will find the right commercial insurance package to meet all your needs. 

It’s easy to forget that commercial insurance and workers’ compensation are all part of the same package, but it helps to understand how they work together to keep your business safe. Most businesses need to have workers’ compensation included in their commercial insurance policies if they have any official employees. This is so neither employees nor employers are saddled with expensive medical bills should they be injured on the job. Insurance Center of Green Valley wants you to know more about how it works 

Hazards on the Job 

Every job comes with its own set of hazards, though they may be difficult to find sometimes. An office worker is unlikely to hit their head when they’re on the job, but they may develop chronic back pain because they’re sitting in the wrong chair. While an employee does share some responsibility when it comes to their injuries, judges tend to side with the employees (in general.) This is just one reason why it’s so important to choose employees who will be responsible for themselves and for a business’ property at all times. 

Commercial Insurance in Green Valley, AZ

If you have a business in Green Valley, AZ, it’s time to give Insurance Center of Green Valley a call. Our staff can help you understand more about the particular hazards that you need to safeguard yourself against. Far from just walking away with the right policy, you may end up getting the tips you need to make your workplace safer for you, your customers, and your workers. Find out more about what you should have coverage for in order to keep your business thriving — even in the face of a serious injury claim — by calling today to speak with our staff. 

Owning a business is both wonderful and very stressful. Without the proper insurance you can be liable for any issues that might pop up and can even be responsible for paying damages and more. The question is can all business benefit from commercial insurance. Put quite simply, yes they can. If you live or work in the Green Valley, AZ area the agents with Insurance Center of Green Valley can help you find the policy that is right for your business.

For all businesses some sort of insurance is necessary to protect the business owner as well as the business itself. Without the proper insurance, you can end up not having the coverage you need making it necessary for the business owner to pay all damages out of pocket. No matter what size the business is, it can benefit from commercial insurance.

Commercial insurance not only helps to protect the business, it also helps to protect the items that the business sells, the owner, any employees that you might have, and even the building in which the business is housed. This means that a good commercial policy is going to cover a very wide range of things that can help to make sure your business keeps going even in times when things might seem a bit tough.

In order to find the right policy it is always beneficial to talk with an agent about what amount and type of coverage you might benefit from most. Some policies are not going to do you much good while others are going to be all you need to prosper and do well. A great commercial insurance policy is going to cover all the bases and help you to make sure you have what you need to succeed and to be safe from any issue.  

Like many homeowners, you’re probably eager to make some changes to make your home more attractive or to increase the value of your property, but do you know how those changes could affect your current homeowner’s insurance policy? If you’ve been thinking about adding some square footage to your Green Valley, AZ home or upgrading it with new features, you’ll need to consider how those upgrades and renovations could affect your homeowner’s insurance policy.

How Big Is Too Big?

Most homeowner’s insurance policies do not cover remodeling projects that exceed a certain dollar amount. If your renovation plans include major additions such as adding another room or changing the building’s structure dramatically, you will need what is called builder’s risk insurance. Construction of any type generally carries risks – an electrical mishap could cause a fire, or materials or property may become accidentally damaged. Builder’s risk policies protect your property from damage during the construction process that aren’t covered by your homeowner’s insurance policy. Talk to your Insurance Center of Green Valley agent to determine what additional forms of insurance may be required.

Are You Adding Value?

If your renovation project will be adding significant value to your property, check your limits. It is possible your new patio or upstairs master bedroom suite addition could add tens of thousands of dollars in value to your Green Valley, AZ property. Your homeowner’s insurance policy comes with a property value limit. Before you start construction, make sure any new additions will be covered by your current policy. If the value has increased considerably and your limits are exceeded you may need to raise your limits.

For more information about how your new dream kitchen or living room addition could affect your current homeowner’s insurance policy, contact the Insurance Center of Green Valley today. We’ll make sure you’re covered before your project begins.

It takes a lot to run a small business. You don’t want your company to stop flowing because you didn’t have enough finances to cover you after an accident. There are several different types of liability insurance that you may need for your small business. Insurance Center of Green Valley in Green Valley, AZ has some information you should consider when looking for commercial insurance for your small business.

General Liability Insurance

Your company should think about having general liability because it protects businesses from lawsuits as a result of an injury, accident, or negligence. If your restaurant is responsible for causing several patrons to become ill and they file a lawsuit, you may be responsible for lawyers’ fees, medical expenses, and other costs adjudicated by the court.

Product Liability Insurance

Defective products that are manufactured or sold by your company could make you liable if the product causes injury to a customer. Product liability insurance can be helpful by protecting your business from financial losses.

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance covers your business as a result of malpractice, negligence, or errors. Some states require physicians to maintain a minimum amount of malpractice insurance.

Commercial Property Insurance

Commercial property insurance covers business property from a variety of hazards.

• All-risk policy – covers everything except what is written in the policy.
• Peril-specific policy – covers every peril written in the policy.

Home-Based Business Insurance

Many small business owners operate from their homes. Homeowners insurance may not cover items relating to the business.

Check with the independent agents at Insurance Center of Green Valley in Green Valley, AZ to see if your homeowner’s policy covers your business property. You can also get more information on additional commercial insurance added to your current policy or begin a new one.

Having friends and family members over for holiday events at your Green Valley, AZ is always a good time. However, if someone gets hurt at the party, it can definitely put a damper on the festivities. Plus, you may be facing a big home insurance claim to cover the costs of their injuries. To make sure someone is not injured at your holiday party, make sure you remember these simple rules.

Limit where guests can roam in your home. 

Instead of keeping your entire home open and accessible for every guest at the party, it is a better idea to keep guests contained to only certain areas. For one, this keeps the guests easier to keep tabs on so they do not get into a dangerous predicament, which can be especially worrisome if your guests bring children along with them. You don’t necessarily have to make this an obvious thing; simply lock up doors where guests should not be and use a safety gate to block off stairways to different levels of the house. 

Make sure steps and walkways are free from hazards. 

Slip and fall cases are common with homeowner’s insurance claims, and they are more likely to happen outside of your home in the winter than any other time. In the winter, make sure you use deicing agents on steps and walkways where guests will be walking to get in and out of your home. It is also a good idea to keep the driveway clear of ice and snow. 

Find a sitter for your pets. 

Pets can be a big concern, especially dogs who may get uncomfortable with a bunch of strangers in the house. Therefore, it is a good idea to find a sitter for your pets so no guest gets bitten or injured. If you cannot find a pet sitter, make sure you keep your pet in a kennel for the evening or chain them up outdoors. 

For more information about preventing injuries during a holiday event at home, contact Insurance Center of Green Valley for advice.