Four Add-ons to Consider for Commercial Insurance

Posted on by

If you want to operate your business in Arizona, the law requires you to invest in worker’s comp and commercial auto insurance if you have business vehicles. But should you stop at this? State-required business insurance is just a minimum. If you need all-rounded protection for your business, please invest in supplemental policies. Insurance Center of Green Valley in Green Valley, AZ shares four policies you can consider to boost your commercial insurance.

General liability insurance

Regardless of the size or nature of your business, don’t run your business without business liability insurance. This policy protects your business from expensive liability claims that can cripple your business. General liability insurance cushions your business when other people accuse you of bodily injury, property damage, and advertising injury.

Property insurance

Your business owns several assets to ensure operations run smoothly. While you have security measures to safeguard your assets, you should consider business insurance as an added layer to the safety of your assets. Commercial insurance covers losses to your assets when damage or loss arises from fire, theft, vandalism, and other risks listed in your policy.

Cyber liability insurance

Do you store sensitive customer data? Do you operate an e-business? You must invest in cyber liability insurance to protect your business against cyber crimes. This policy minimizes your financial exposure when your IT systems have been compromised.

Professional liability insurance

Do you offer professional services? Consider investing in professional liability coverage. This policy protects you from actual or alleged negligence, incomplete work, or missed deadlines. Professional liability insurance covers the associated costs if stakeholders show they have suffered financial losses because of your advice.

Are you shopping for commercial insurance in Green Valley, AZ? Please contact the Insurance Center of Green Valley for an affordable quote.

Choosing the Right Auto Insurance Coverage in Arizona

Posted on by

Drivers in Green Valley, AZ have many options for auto insurance. There are many coverages, and knowing which one is right for you is challenging. Here’s an overview to help choose the right policy.

Liability Coverage

Liability coverage is the most basic type of coverage. It covers damage you cause to other people or property with your car. It does not cover damage to your vehicle or injuries to yourself or your passengers.

Collision Coverage

Collision coverage covers damage to your car from accidents. It pays to repair or replace your vehicle up to the car’s value. Collision coverage is not required by law, but if you have a loan on your car, your lender will probably require you to have it.

Learn more about auto insurance by speaking with an Insurance Center of Green Valley representative today.

Comprehensive Coverage

Comprehensive coverage covers damage to your car from causes other than accidents. This includes damage from fire, theft, vandalism, floods, and hailstorms. Like collision coverage, comprehensive coverage is not required by law but may be required by your lender if you have a loan on your vehicle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist (UM/UIM) coverage pays for damages caused by accident with a driver who does not have insurance or does not have enough insurance to pay for the damages they caused. UM/UIM coverage is not required by law but can be a good idea if you are worried about being in an accident with an uninsured driver.

Contact the Insurance Center of Green Valley to get started. We can help you find the right auto insurance coverage for your needs and budget.

The Top Things You Need To Know About Home Insurance

Posted on by

Home insurance is a fundamental part of being a homeowner. It protects you from potentially devastating financial losses if your home is damaged or destroyed. Despite this, many homeowners are unaware of what their home insurance policy covers. This post will explore the top things you need to know about home insurance.

1. Covered Perils Depend on the Policy

Most home insurance policies cover damage from common perils like fires, windstorms, and hail. But coverage for other risks, like floods and earthquakes, is often excluded. That’s why it’s essential to read your policy carefully, so you know what is and isn’t covered. If you live in an area prone to a specific type of natural disaster, you may need to purchase a separate policy to be fully protected.

2. You May Need Additional Coverage for High-Value Items

Your home insurance policy will have a limit on how much it will pay out for any one item. So, if you have any high-value items, like jewelry, art, or collectibles, you may need to purchase additional coverage to insure them fully. This is usually done through a rider or endorsement of your policy.

3. Every Home is Different, so Coverage Should Be Too

No two homes are exactly alike, so it’s essential to have a home insurance policy that reflects the unique needs of your property. The amount of coverage you need will depend on factors like the value of your home, the number of personal belongings you have, and the likelihood of certain types of disasters in your area. Working with an experienced insurance agent can help you get the right coverage for your home.

4. Home Insurance is More Than Just Property Coverage

Most people consider home insurance property coverage, but it’s much more. Most policies also include liability protection, which can help cover the costs if you’re sued for damages, or someone is injured on your property. This is an essential part of your coverage, especially if you have visitors to your home regularly.

Get Home Insurance in Green Valley, AZ

If you’re looking for home insurance, the Insurance Center of Green Valley is a great place to start. We can help you find the right coverage for your needs and give you peace of mind knowing your home is protected. Contact us today to learn more.

Four Types of Commercial Insurance You Need

Posted on by

As a business owner, you understand the importance of protecting your investment. Commercial insurance can provide the coverage you need for an accident, property damage, or liability claim, whether you have a brick-and-mortar store or small manufacturing business. But with so many different types of commercial insurance available, it can be challenging to know which policies are right for your business. Here are four types of commercial insurance that every business should consider.

  1. Property insurance: This policy covers damages to your property, including your building, equipment, and inventory. If your property is damaged by fire, theft, or vandalism, property insurance can help you cover the cost of repairs or replacement.
  2. Liability insurance: The policy protects your business from claims arising from injuries or damages caused by your products or services. For example, suppose a customer is injured on your premises, or a third party suffers damages due to your business activities. In that case, liability insurance can help you cover the cost of legal defense and any resulting judgments or settlements.
  3. Product liability insurance: The policy covers claims arising from product or service defects. Suppose a customer is injured or suffers damage from using one of your products. In that case, product liability insurance can help you cover the cost of legal defense and any resulting judgments or settlements.
  4. Business interruption insurance: This policy covers lost income and expenses incurred if your business is forced to shut down due to an accident, fire, or other covered events. Business interruption insurance can help you keep your business afloat during these difficult times.

Get Commercial Insurance in Green Valley, AZ 

These are just four types of commercial insurance available to businesses today. By working with an experienced agent from the Insurance Center of Green Valley, you can find the right policies for your business and budget. Don’t wait until it’s too late—protect your investment with commercial insurance today.

How much home insurance do I need for my belongings?

Posted on by

The Insurance Center of Green Valley gets asked a lot of questions about home insurance. "How much home insurance do I need" is a common one.

Although there are a lot of factors to consider, the answer starts with a home inventory. This document catalogs your possessions, speeds up the claims process and can maximize your payout.

That’s why the Insurance Center of Green Valley encourages its clients to begin here. Located in Green Valley, AZ, our agency lists six steps for conducting a thorough home inventory review.

Organize each area

Divide your home into sections to avoid getting overwhelmed. Whether it’s a closet or a room, start small. Create a process that’s easiest for you.

Record basic information

Jot down descriptions of every item. At a bare minimum, include purchase dates and prices. Write down the make, model, and serial numbers for appliances and electronics.

Group smaller items together

But you don’t have to list everything separately. Low-cost products, like clothes and dishware, should be lumped together. Just assign a price for the entire group.

List expensive items individually

Jewelry, antiques, and any collectibles require specialized coverage. Write down these items and consult an agent to ensure they are protected.

Go digital

Pictures and videos are also important. These may expedite claims. These visuals will remind you what you own, but they can also document what’s been damaged.

Update regularly

Review your inventory frequently. Although digital records are outstanding for reference, print out hard copies. Store these backups somewhere safe.

Contact an agent serving Green Valley, AZ.

After conducting a home inventory, let the Insurance Center of Green Valley take it from there. Using this information, the agency can determine how much home insurance coverage is right for you. Schedule an appointment today.

How Do I Choose The Right Auto Insurance Company?

Posted on by

When choosing auto insurance, deciding which company is right for you can be difficult. There are so many options available, and each one seems to offer a different set of benefits. How do you know which company is the best fit for your needs?

In this article, we’ll discuss some factors you should consider when making your decision. We’ll also provide tips for finding the right auto insurance company!

1. Consider Your Needs

When shopping for auto insurance, it’s essential to consider your specific needs. What are you looking for in a policy? Do you need comprehensive coverage? Collision coverage? Liability coverage? Please make a list of your priorities and use it as a guide when comparing quotes from different companies.

2. Compare Multiple Quotes

Once you know what you’re looking for, it’s time to compare quotes from different companies. When you’re doing this, be sure to compare apples to apples. That means looking at the same type and amount of coverage when comparing. If one company seems significantly cheaper than the others, take a closer look to see if they’re offering a lower level of coverage.

3. Check Customer Reviews.

When you’re narrowing down your options, be sure to check customer reviews. This is a great way to understand what others have experienced with a particular company. Look for reviews on independent websites like Google and Yelp. These will help you choose the best company in Green Valley, AZ, one of them being the Insurance Center of Green Valley.

How to Choose the Best Insurance Company

Choosing the right auto insurance company doesn’t have to be complicated. By considering your needs and comparing quotes from different companies in Green Valley, AZ, you can be sure to find a policy that’s right for you. And don’t forget to check customer reviews before making your final decision. The Insurance Center of Green Valley is here to help! Give us a call today for all your insurance needs.

Three misconceptions about commercial insurance

Posted on by

Neglecting to invest in adequate commercial insurance coverage is one of the biggest mistakes you could make as a business owner. Unfortunately, many business owners aren’t adequately covered because they have certain misconceptions about commercial coverage.

The following are three common misconceptions about commercial insurance that you need to be aware of as a business owner. 

You only need commercial insurance if you have employees working for you.

While worker’s compensation coverage is one of the most important types of commercial insurance to carry, you still need commercial coverage even if you have no employees.

Sole proprietorship operations still have liability issues to deal with, as well as property and commercial auto coverage needs, even if they don’t have any employees. You shouldn’t assume that you don’t need commercial coverage simply because you have no employees. 

Only large companies need commercial insurance coverage.

Many business owners forego commercial coverage, assuming that their commercial operation is too small to need it. However, it’s never a good idea to assume that your company is too small for commercial coverage. Even small companies can face enormous expenses as the result of lawsuits and other problems that can come up. That’s why commercial operations of all sizes need insurance coverage. 

Home insurance or auto insurance covers business operations.

If you’re running a business out of your home or using your personal vehicle for commercial purposes, your home or auto insurance won’t cover your commercial operations. You need to invest in commercial insurance to protect your operations in these situations. 

Being informed is essential when it comes to making the right decisions about your commercial insurance coverage. At the Insurance Center of Green Valley, we offer commercial insurance coverage in Green Valley, AZ. Contact us to find the right commercial insurance solutions for your company. 

How Traveling Abroad Impacts Auto Insurance Policies

Posted on by

Insurance Center of Green Valley serves the Green Valley, AZ community. We proudly serve as an independent insurance agency. We have relationships with over 17 carriers across the Pacific Northwest. For over 20 years, we have helped our clients find the policies they need to protect their assets. We offer coverage designed to protect you in any situation.

How Traveling Abroad Impacts Auto Insurance Policies

Auto insurance helps keep you safe as you travel around Green Valley, AZ and beyond. Driving is a high risk endeavor and an accident can occur at any moment. Having insurance gives you a safety net if an issue arises. You are covered if your vehicle collides with another vehicle or object and damages occur. Liability coverage protects you if you are held responsible for an accident where someone was injured or property damage occurred. Comprehensive coverage protects your vehicle if it is stolen or damaged due to severe weather.

If you are traveling abroad, comprehensive coverage is a good idea. The rules for operating a vehicle outside the US are different compared to traveling stateside. You may need to obtain an International Driving Permit. If you opt for a rental car, you will have to adjust your coverage. Contact the U.S. State Department before finalizing your travel plans.

You may also have to make some adjustments to your driving style. Some foreign rental cars have manual transmissions. If you aren’t familiar with driving these types of vehicles, you may be involved in an accident. You will also have to get used to driving on the left side of the road.

Insurance Center Of Green Valley Will Help Protect Your Assets

Visit our website to learn more information about auto insurance.

Common Causes of Auto Accidents: Will Insurance Help You?

Posted on by

Drivers in Green Valley, AZ may fear crashes and worry about whether their insurance can help them or not. At Insurance Center of Green Valley, we understand the most common causes of car crashes and can help to give you the policy that makes sense for your needs as a driver.

Most Common Causes of Car Accidents

A few of the most common reasons that people get into car accidents include the following actions, behaviors, or conditions:

  • Lack of attention or distracted driving, often caused by texting
  • Drunken or impaired driving on alcohol or drugs
  • Drowsy driving when trying to stay on the road for too long
  • Poor weather conditions that cause you to slip or see poorly
  • Speeding too fast for the conditions or the specific road

Did you get into a crash caused by one of these problems? It is essential to talk to your insurance agent right away to learn about whether you’re covered.

Are You Covered?

If you get into a car accident caused by a mistake you made (including hitting someone else), your car insurance should help to pay. For example, liability policies can pay for any damage or injury you cause to other people or drivers, minimizing your payments.

Comprehensive and damage policies may pay for damage to your vehicle and even some medical payments, as long as your policy wording includes it. However, any wear-and-tear caused by poor maintenance is not covered, so be very careful about how you repair your vehicle.

Take Care of Your Needs

If you’re worried about car crashes in Green Valley, AZ, and want to keep yourself safe, please contact us at Insurance Center of Green Valley to learn more. Our team of professionals will work with you to ensure that you feel comfortable and minimize any potential problems.

Finding an Auto Insurance Policy for a Teen

Posted on by

Finding great auto insurance for teens in Green Valley, AZ requires carefully understanding their needs and how you can fit such a policy onto your current insurance. At the Insurance Center of Green Valley, we can help you find a policy that makes sense for your needs and fits comfortably into your budget.

Separate Policy or Addition to Your Policy

Any teen driver needs an insurance policy that helps to cover their driving needs. You may be tempted to get your child to buy coverage for themselves. However, this option may be pricey for them because they won’t have a driving history. As a result, they’re considered a bit more of a hazardous choice by default.

However, parents can also add their teens to their current insurance policy. Doing so may raise your rates slightly but does help cut back on your teen’s cost. It also provides other benefits that make it an exciting choice. Let’s break them down below to help you make an informed decision.

Why You Might Add Your Teen to Your Policy

Parents help save their teens save money when adding them to their policy and provide benefits like easier control (as you can adjust your teen’s policy, as needed) and flexibility. In addition, there are often more options available if you add your teen to your coverage and tweak their needs appropriately.

When added to your policy, the teen gets the same protection as your coverage option. Talk to your insurance agent to figure out what kind of limitations may apply to them. Also, set up a cost-sharing option for your teen that lets them contribute to your coverage payment.

Find the Help You Need

If you need insurance for your teen in Green Valley, AZ, contact us at the Insurance Center of Green Valley right away to learn more. Our team of skilled experts will figure out precisely what you need and will work with you to ensure that they get the protection necessary for their vehicle.