Arizona is one of the fastest-growing states in the union. It has low taxes and limited regulations which foster an atmosphere that is conducive to small business. The proof of the pudding is that there are more than half a million small businesses in Arizona employing more than a million workers. But even in such a business-friendly state, things can happen that endanger the future of your small business. At Insurance Center of Green Valley in Green Valley, AZ, we have been in business since 1989 and represent over 20 top-rated carriers.
Commercial insurance offers a variety of different protections to small businesses that can save your business if you are hit with a covered peril or a lawsuit. Every small business has different needs and risks and every kind of commercial insurance coverage won’t be right. Some types, however, work for almost any type of business.
Commercial property insurance
Whether you rent or own, commercial property insurance can help you to get back on your feet if you are hit with a covered peril like a fire or a severe weather event. It can help repair or replace any equipment or machinery you have lost. This includes office equipment and computers. It also will protect your inventory and raw materials.
Commercial liability insurance
Getting sued is always a danger for any business. It can be the result of an injury on your property, a product you produce, or a service you provide. It can even be the result of a disgruntled employee. This insurance pays for a judgment against you and legal expenses.
If you think your small business could benefit from commercial insurance at Insurance Center of Green Valley in Green Valley, AZ we have the expertise to guide you to the types of coverage you need. Stop by our office or give us a call for a no-obligation quote.
If you want to drive on Arizona roads, you need to find an appropriate auto insurance coverage option. We can help you meet your auto insurance needs in Green Valley, AZ at Insurance Center of Green Valley.
The following are three things to do before you purchase auto insurance in Arizona.
Understand factors influencing auto insurance premiums
Numerous factors influence how much you need to pay for auto insurance. Some of the factors that will have an impact on your auto insurance premiums include your driving record, the vehicle you drive, and what kinds of coverage you have.
Understanding the factors that influence your auto insurance costs can help you to save money. When you understand these factors, you can possibly bring costs down. You can bring costs down by purchasing a vehicle that’s more affordable to insure. You can also bring costs down by taking advantage of discounts like defensive driving class discounts.
Understand what auto insurance covers
Basic auto insurance coverage will cover liability expenses. This means that liability coverage pays for the costs of the damage you cause to others while driving.
However, you’ll enjoy more coverage if you invest in a collision and comprehensive coverage. These types of coverage can cover the costs of damage to your own vehicle in an accident.
Be aware of state requirements
Your insurance policy will need to meet requirements set forth by the state of Arizona. In Arizona, motorists are required to have at least $50,000 in total bodily injury liability coverage per accident. They’re also required to have at least $15,000 in property damage liability coverage.
If you’d like to learn more about the steps to finding the right auto insurance coverage, we can help at Insurance Center of Green Valley. Get in touch with us to find a Green Valley, AZ insurance solution.
If you are a business owner in the Green Valley, AZ area, you will soon find that there is a lot of opportunity for success. Those that are willing to work hard can build and establish a company that could do well for a long time. Those that are looking to succeed also need to consider their insurance needs. There are several reasons why a business owner here needs to get commercial insurance.
Insurance Protects Against Liability Claims
One of the reasons that you should get a commercial insurance policy for your business is that it can help to protect against liability claims. A business that sells any type of product or service to a customer is going to be taking on liability risk constantly. To ensure that one claim does not put too much stress on you and your business, you should maintain an adequate policy. With commercial insurance, you will receive this valuable insurance protection.
Insurance Protects Business Assets
A full commercial insurance policy is also going to give you some valuable asset protection. As a business owner, you will need to invest in commercial assets to build and grow your business. If you were to suddenly lose these assets, it could put a lot of strain on your organization. Fortunately, when you get a commercial insurance policy, you can receive the protection that you need to cover these assets.
There are plenty of situations when getting a commercial insurance policy is a good idea for a company in the Green Valley, AZ area. If you would like to cover your business, you should contact the Insurance Center of Green Valley. If you do call the Insurance Center of Green Valley, you will get the guidance and support you need to choose a new policy.
Those that are in the Green Valley, AZ area should consider purchasing their own home. Owning a property here provides a variety of short and long-term benefits. As you are shopping for a home, you should also consider your insurance needs. There are several reasons why you need coverage here.
You Want Valued Protections
One of the main reasons that you need to get home insurance here is that you will want the valuable protection it provides. Home insurance is a great investment due to the protection that it provides for your dwelling and personal belongings, which could save you a considerable amount of money if there is a fire or other form of damage. Additionally, your home insurance policy is going to give you liability protection that will be valuable if you are ever at fault in an accident.
Insurance is a Requirement
You will also need to get home insurance if it is a requirement for you. For the vast majority of property owners, having home insurance is a requirement by at least one agreement. Anyone that lives in a community with a home association or has a mortgage outstanding will be obligated to meet certain insurance requirements. You likely will need to provide evidence of coverage at least once per year.
Anyone that is in the Green Valley, AZ area and owns a home will want to get home insurance. If you are looking to learn more about your home insurance needs and options, you should speak with the team at the Insurance Center of Green Valley. When you speak with the team at the Insurance Center of Green Valley, you can learn a lot more about how insurance can protect you. This can help to ensure that you receive the right coverage for your situation.
When you move, you have a thousand things on your mind. You have to consider everything from where to put the furniture to how you’ll even get it through the door. You have to make sure that your medications are readily available even during the transport of all your things. You also have to update different parties about where you’re going and why.
One thing that can easily be forgotten in all the chaos is your auto insurance carrier. If you live in Green Valley, AZ and you’re wondering if you can just let your change of address form take care of everything, Insurance Center of Green Valley is here to give you the facts.
Yes, You Have to Tell Your Insurance Carrier
Your insurance is determined by where you park your car and where you drive, which means that you need to tell your insurance carrier when you move. Everything from your rates to your policy requirements might change based on where you’re going. If you’re moving across the street from where you are now, there likely won’t be much of a difference when you update your carrier. However, you still need to let them know. Otherwise, you risk a lack of coverage based on the original information you have them.
Call for Help
Even when you’re feeling overwhelmed by a move, you have to remember how your relocation will affect one of your most precious possession. If you’re moving either to or from Green Valley, AZ and have questions about the right path for you, give Insurance Center of Green Valley a call today. We can help you get the right auto insurance policy that will keep you protected no matter where you are.
Those that are in the Green Valley, AZ area and want to start a business could find that this area offers a lot of potential and opportunity. When you are going to start a business here, you will want to make sure that your organization is properly covered by insurance. When you are a business owner in Arizona, there are several reasons why you may need to have commercial insurance.
Provides Valuable Coverage
There are many forms of beneficial insurance coverage that come with commercial insurance. When you have commercial insurance, you are going to have coverage to protect your business assets and you will have liability insurance. This could help to protect your investment in your company and ensure you receive necessary protection against liability risk. Ultimately, this could help to keep your business solvent.
Ensures Insurance Compliance
You will also want to have a commercial insurance policy because it will ensure you remain in compliance with all of your insurance requirements. Any business owner that has taken out a loan or has outside investors will likely have commercial insurance requirements. When you get a full insurance policy for your business, you will have the coverage in place that you need to comply with your obligations.
There are several reasons why a business in the Green Valley, AZ will need to have commercial insurance. When you would like to learn more about your commercial insurance and need some guidance in picking a policy, you should contact the Insurance Center of Green Valley. The team at the Insurance Center of Green Valley will be able to answer any questions that you have when it comes to insuring and protecting your business. This can help you then pick a policy that offers the right protection.
Purchasing a home insurance policy is an important step in buying a home in Green Valley, AZ. At Insurance Center of Green Valley, we provide home insurance options for area residents.
There are some key things you need to remember to select the optimal home insurance policy for your needs. The following are three things to remember when you’re on the market for the right home insurance policy.
You need to factor home insurance premium payments into your budget.
Your home insurance premiums will be an ongoing expense. It’s important that you calculate your budget and make sure that you can afford this expense. If your home insurance premiums will be difficult for you to pay, you need to cut expenses somewhere.
You may be able to enjoy reduced home insurance premiums by making safety improvements.
One thing that any homeowner should look into before purchasing a policy is whether or not they can bring down their insurance costs by making home improvements. Home insurance providers will often lower premium costs if updates are made to a home that reduces the chances of injury.
You should periodically review your policies to see if you want to make any changes.
Don’t forget about your home insurance after you purchase your policy. Your home insurance needs can change over time, so it’s a good idea to reevaluate your home insurance needs on an annual or periodic basis. See if you can reduce your coverage for lower premiums or if you need more coverage to protect your assets after some time has passed since you first bought your policy.
If you’d like to explore Green Valley, AZ home insurance policies, get in touch with us at Insurance Center of Green Valley. We’re happy to answer all your home insurance questions!
Anyone that is in the Green Valley, AZ area would benefit from having a car. When you have a vehicle here, it will be much easier for you to get around town. While a car will provide you with a lot of conveniences, there are also a lot of responsibilities that come with it. One task that all people in the area need to do is get a quality auto insurance policy. There are several benefits that you will receive if you get a quality auto insurance policy.
Protection for Liability
One of the benefits of getting into an auto insurance policy will be that you can receive protection for liability. Anyone that drives a car will always run a small risk that they could cause an accident. If you do cause an accident, it will be up to you to cover damages. Fortunately, with a liability insurance policy, you will have protection against this risk.
You will also benefit from getting an auto insurance policy as it can cover your vehicle. If your vehicle is damaged or stolen, the repair or replacement costs can be significant. Fortunately, with an auto insurance policy you can receive coverage for these expenses.
As you are shopping for a new auto insurance policy in the Green Valley, AZ area, it would be a good idea to reach out to someone that you can trust. A great source of information to reach out to when you need a new insurance policy is the Insurance Center of Green Valley. As you call the team at the Insurance Center of Green Valley you can learn a lot more about the options available to you. This will ensure you get into a proper policy that gives the right protection.
With natural disasters steadily on the rise, small business owners in Green Valley AZ need to be prepared for any eventuality. These tips from Insurance Center of Green Valley can be helpful in protecting your business from disasters.
Assess Your Risks
Assess the risks your business faces so you can prepare in advance. Arizona is prone to severe storms, flash floods and wildfires. If your business in Green Valley, AZ is at risk of these or other disasters, make a plan for how to minimize disaster damage or handle the fallout. Commercial property coverage can help compensate you for disaster damage to your business location, equipment and products. For protection against floods, however, you’ll need to purchase a separate flood policy.
Prepare a Disaster Evacuation Plan
Prepare a plan for evacuating customers and employees safely from your business in the event of a disaster. Make sure your employees are familiar with evacuation routes and exits. Conduct evacuation drills to ensure your workers know what to do in a disaster.
Secure Your Business Assets
Review your commercial coverage to ensure it’s up to date and offers the protection you need against disasters. In addition to property coverage, you may want to obtain business interruption insurance to cover lost revenue and other essential expenses if your company has to close up shop temporarily due to disaster damage.
Having an up-to-date inventory of business equipment and products can help facilitate a claim, if needed, after a disaster. You should also ensure all-important business data to include financial records, customer records, and data on employees is backed up in a safe location to avoid loss in a disaster.
Commercial insurance should be a key component of disaster preparedness for your small business. To update your commercial policy, contact the Insurance Center of Green Valley.
Homeowner’s insurance is an important investment you make into your home. Many people think that homeowner’s insurance is something you deal with once and then forget it. It is wise to take a look at your homeowner’s coverage often to make sure you are getting the best deal and your home is insured properly. At the Insurance Center of Green Valley, serving Green Valley, AZ, we love to help our clients better understand important insurance topics such as this. Keep reading to learn when to shop for new homeowner’s insurance.
It is recommended to shop around for a better rate on your homeowner’s insurance annually. In most cases just letting your current policyholder know that you are shopping around is enough to encourage them to offer you a better rate. There are also other factors that can affect the rate of your homeowner’s insurance so re-evaluating once a year is a good time to see if you qualify for any new discounts.
After Home Improvements
If you have completed home improvements, then you will definitely want to shop around for new homeowner’s insurance. When the value of your home increases substantially, you will want the coverage to increase as well. Your previous coverage may not cover the new value of your home in the event of damage. It is best to sit down with an insurance representative so that they can properly evaluate the new coverage needs.
After A Divorce
If you have been awarded your home in your divorce, you need to make sure that the insurance policy is in your name. This is a good time to shop around for the best rate as well.
If you would like to learn more about homeowner’s insurance, please contact our friendly staff today at The Insurance Center of Green Valley serving Green Valley, AZ today.