Monthly Archives: July 2025

When Should I Review Commercial Insurance Policies in Arizona?

Posted on by

Protecting yourself financially as a business owner or investor is essential, whether you manage a small shop or a golfing service. If you’re located in Green Valley, AZ, reviewing commercial insurance policies routinely is crucial to staying protected and secure. At the Insurance Center of Green Valley, we’re here to guide you through the process of reviewing commercial insurance policies year-round for adequate coverage.

Ideal Review Schedule

While you can review your commercial insurance policy whenever you feel the time is right, it’s ideal to do so at least once a year to ensure:

  • Coverage Limits: Coverage limits are aligned with any recent property renovations and/or economic inflation.
  • New Risks: New potential business risks are identified and addressed, such as investing in new equipment or introducing additional services.
  • Compliance: You remain compliant with your landlord, contract requirements, and any lender with whom you are working at the time.

Other Times to Review Policies

There are other situations when reviewing your commercial insurance policies is necessary, including:

  • Investments: Adding new equipment, vehicles, or specialized investments to your business may require inland marine, commercial auto, or equipment breakdown coverage.
  • Hiring Employees: Adding new employees to your payroll may require you to increase your umbrella, employment practices liability, and workers’ compensation policies.
  • Expansion: Remodeling or expanding your business will require additional liability and property insurance to protect your new assets and investments from being underinsured in the event of an outage, accident, or natural disaster.

Reviewing your commercial insurance policies doesn’t have to feel tedious or overwhelming. If you’re located in Green Valley, AZ, we’re here to help. To learn more about commercial insurance policies that are suitable for your business year-round in Green Valley, contact Insurance Center of Green Valley to schedule your consultation today.

Questions to Ask When Purchasing a New Auto Insurance Policy

Posted on by

Shopping for auto insurance can feel like navigating a twisty road without a map. With so many options out there, it’s easy to feel overwhelmed or unsure about what coverage you actually need. At Insurance Center of Green Valley in Green Valley, AZ, we help drivers make confident, informed decisions by asking the right questions before signing on the dotted line.

What Does This Policy Actually Cover?

This might seem like a no-brainer, but it’s a good place to start. Not all auto insurance policies are created equal. Some only cover liability, while others include comprehensive and collision coverage as well. Understanding what’s included and what’s optional can help you avoid surprises later on.

How Are Claims Handled?

You don’t want to wait until an accident happens to find out how your insurer handles claims. Ask about the claims process. Is it easy to file? How quickly do they respond? Will you have a dedicated agent or be routed through a call center?

Are There Discounts Available?

Many insurance carriers offer discounts for features such as safe driving, bundling policies, or having specific safety features in your car. It’s worth inquiring about the discounts you may qualify for. You could end up saving money.

What’s My Deductible and How Does It Affect My Premium?

Choosing a higher deductible can lower your premium, but it also means you’ll pay more out of pocket if you need to file a claim. Make sure you’re comfortable with the balance between upfront costs and monthly savings.

At Insurance Center of Green Valley in Green Valley, AZ, we take the time to answer your questions and find the right policy for your driving needs. Reach out today and let’s make sure you have the coverage you need.