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Wednesday, September 17, 2014

Business Insurance Requirements for Regulatory Compliance

Whether your business is large or small, you will face a seemingly endless barrage of local, state and federal regulations that you must comply with. Staying compliant can mean the difference between operating in good standing and facing hefty fines and penalties. Strict compliance with all kinds of regulations is vital to keeping your business up and running for the long haul, with minimal interference from state or federal agencies. While the task may seem daunting, it is best to be informed, and stay informed, to make sure that nothing gets missed.
Let’s start with the basics: business insurance requirements. Every state has regulations regarding the type of insurance that businesses must have. And keep in mind, what the state requires is usually only a minimal amount of coverage; chances are, your coverage needs are much greater than what the state of Mississippi prescribes. Regardless, you must comply with the minimum requirements or face serious consequences for your business.

Mississippi Business Insurance Requirements

Insurance in all of its forms is a safety net for individuals and businesses should some unforeseen event or disaster take place. Business insurance protects your business and your employees from financial devastation due to natural disasters, accidents, fires, storms, workplace injuries and illnesses, and lawsuits. Insurance can help you keep your doors open if you are faced with a devastating event.
Every business must carefully assess its unique risks and find the right solutions, including insurance, to help manage and mitigate those risks. No two businesses will need exactly the same amount of coverage. The state of Mississippi, however, requires that every business in the state acquire at least the following coverage:
  • Commercial liability coverage: Commercial liability insurance is not required for businesses operating in Mississippi, but liability insurance is essential to protecting your business from lawsuits. The statute of limitations for personal injury lawsuits in Mississippi is three years for negligent conduct and one year for intentional conduct. In addition, the statute of limitations for product liability lawsuits in Mississippi is three years, and Mississippi has no cap on personal injury awards. For this reason, liability insurance is essential if you have business assets to protect. Mississippi businesses typically purchase from $500,000 to $1 million in liability protection, and a wide variety of basic and specialty coverage and limits are available.
  • Commercial property coverage: Commercial property coverage is not required for businesses operating in Mississippi, but if you have business property that could be destroyed or damaged by some unforeseen incident, you need business property coverage to help protect you.
  • Commercial vehicle insurance: All drivers in Mississippi are required to carry a minimum amount of car insurance. If you or your employees use personal vehicles for business purposes, or if your business owns or leases vehicles, you need commercial vehicle insurance that at least meets the state minimum requirements.
  • Commercial flood insurance: Mississippi is highly susceptible to flooding. Commercial flood insurance is not required in Mississippi, but it is highly recommended that businesses purchase flood insurance from the National Flood Insurance Program (NFIP). Visit FloodSmart.gov for more information about flood insurance for your business.
  • Workers’ compensation coverage: Mississippi employers with five or more regular full-time employees must purchase workers’ compensation coverage. Workers’ compensation insurance compensates employees for expenses related to workplace injuries and illnesses. Mississippi has a no-fault workers’ compensation system. This means that your workers’ compensation insurance will pay workers’ medical expenses and lost wages related to a workplace illness or injury, regardless of who is at fault. Businesses that employ less than five employees are not required to purchase workers’ compensation insurance, but can do so voluntarily. Domestic workers, farm laborers and non-profit employees are exempt from Mississippi workers’ compensation requirements.
In addition to business insurance compliance, Mississippi businesses must also comply with a variety of regulations related to employment, employee benefits, taxes, permits and licensing, environmental issues, workplace safety and more. We can help ensure that you are meeting your business insurance and employee benefits obligations under the law, and can help you make sure you have the right coverage to meet the unique needs of your business.

We have experience helping companies of various types and sizes calculate and evaluate their total cost of risk as part of our Risk Reduction Approach. We can help you, too. Call SouthGroup Insurance Services today to learn more about our Risk Reduction Approach and how it applies to your business.Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL
Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney

Sunday, September 7, 2014

Understanding and Calculating Your Total Cost of Risk

Few things seem quite as daunting to business owners and risk managers as taking an in-depth look at the risks your business faces and the steps you must take to truly protect against them, prepare for them, and even mitigate or eliminate them. The extent to which you can do any of these things depends on your business, your unique risks, and how carefully you plan and execute your strategy. A key element of planning and implementing an effective risk management strategy is calculating and understanding your total cost of risk.

Calculating and evaluating your total cost of risk is complex and time-consuming. It is well worth the effort; it can help you determine which risks truly pose the greatest potential threat to your business and your profitability, and can help steer you toward effective solutions.
Using your total cost of risk as a guide can help you make objective decisions, not emotional ones, and later you can consider whether your risk management strategies make sense or are having an impact. You will see that managing certain risks is relatively easy; for example, you purchase commercial property insurance to protect against losses associated with a fire or natural disaster. Protecting against or mitigating more indirect risks and their associated costs can be much more complex. Have you considered the potential for negative publicity or lost business after a lawsuit, data breach, or an industrial accident? These are very real possibilities with devastating financial consequences.

The costs associated with your risk exposures can be placed into the following categories in order to calculate your total cost of risk.
  • Insurance premiums: premiums you pay to insurance company to transfer risk to another party.
  • Direct Costs: losses that you retain that are directly related to an accident, mishap, etc. Direct costs can include losses beneath your insurance deductibles, above your insurance limits, or even those that have no coverage at all. In addition, direct costs can include self-insurance costs.
  • Indirect Costs: costs that are not directly related to a loss incident, but result from it, such as diminished profits or productivity, payments to third parties, lost efficiency or competitiveness, increased human resources costs, and penalties that must be paid.
  • Risk Management Administrative Costs: risk control costs, clerical costs, claim and administrative expenses, salaries, training, internal legal counsel, loss control costs, and brokerage and consulting fees.
A complete and thorough examination of your total cost of risk helps you avoid making assumptions, rather than concrete, data-driven decisions. You will prevent unnecessary expenses and make sure you are prepared for circumstances out of your control.

SouthGroup’s mission is to help businesses assess their risks and find the best strategies to address them. Our Risk Reduction Approach is a unique process that begins with identifying the risks that are inherent in your business. We then evaluate your exposures and recommend proactive solutions and strategies for assuming, transferring, financing and mitigating them. The Risk Reduction Approach helps you calculate and examine your total cost of risk as well as design and implement a plan that is entirely tailored to the needs of your business. In addition, we will help you track, monitor and amend the plan over time as your business grows and your needs change.
We have experience helping companies of various types and sizes calculate and evaluate their total cost of risk as part of our Risk Reduction Approach. We can help you, too. Call SouthGroup Insurance Services today to learn more about our Risk Reduction Approach and how it applies to your business.
Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL
Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney

Thursday, September 4, 2014

College Students – Are They Covered Under Their Parent’s Policies?


They have finally spread their wings are have left the nest.  Well sort of.  They have moved truckloads of stuff from their home to their dormroom or an apartment while they are attending college.  Neither of you have considered thinking about insurance!  So, is this a problem? 

Does your student have protection under the parent’s home insurance policy while they are at college?  The answer is IT DEPENDS!  You will need to review your own policy contract for your specific coverages, however, most home policies do provide coverage for an insured’s personal property that is damaged of lost due to a covered peril.  In English, this means that a dependent child away at school is still treated like a member of the household from an insurance standpoint, and their contents would be covered under their parent’s policy for theft, fire, vandalism, or any catastrophe covered under their parent’s policy, HOWEVER, (you know there has to be a HOWEVER), there will be limitations.  Most policies will provide coverage up to 10% of the parent’s limits on contents, which should be sufficient, unless your student took more than a truckload or two to school with them.  Other limits come into play if the student is not enrolled full time or is over age 24.  Again, check your policy, and get advice from your Trusted Choice Agent.  A great article was just published by Independent Agent Magazine which you may find helpful (http://www.iamagazine.com/strategies/read/2014/09/03/is-a-homeowners-policy-inadequate-to-cover-a-college-student-) .

You may also want to consider special coverage for expensive electronics and computers, and take other physical security steps such as password protection, gps locator software, and online backups for the data.

The student’s contents may be covered, but what about liability protection?
This may be one of the bigger exposures – excessive parties cause damage to the apartment or the accidental flooding of the apartment below from an overflowing tub, or inadvertent burning of popcorn in a microwave starting a small fire which smoke damages several units in the complex --- all of these scenarios and more can result in a hefty price tag for Mom and Dad.   There are limitations on liability for another premises under a home policy.  Some companies allow an endorsement for extended liability, but many apartment complexes have begun require proof of liability coverage, and the extended liability may not be acceptable.  In that situation, a very inexpensive renter’s policy is available which would provide the protection.  Check with your Trusted Advisor.

Does your student have protection to drive the roommates vehicle under the parent’s auto insurance policy while they are at school without a vehicle? 
Generally, if someone lends out their car, they are also lending out their insurance, and if your student is a regular driver of the roommate’s vehicle, there is a great chance that coverage will be denied under her roommate’s policy, and there may be a gap between your policy and the other party’s policy.  There are ways to work around the exposure by adding an endorsement to your policy, but again, check with your Trusted Choice agent to find the best solution for your situation. 

Does your student have protection to drive a parent’s vehicle while they are away at school? 
There is typically coverage for a distant student with a family vehicle.  Just be sure you let your Trusted Choice Agent know to modify the “garaging address” on your policy for the physical location of the student’s vehicle.

Lots to consider now that Junior is growing up …

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance #savemoney

Tuesday, July 22, 2014

4 Tips for Purchasing Business Insurance


Insurance is complicated. As a business owner, you have enough on your plate running your business —  insurance should be one less worry.  

  1.  Understand Your Risk – Each industry is unique and has it’s own set of risk exposures.  Once  you consider where something can go wrong – injury, loss of income, theft, fraud, etc., then you can begin to determine how to protect your business from the exposure.  There are several ways to minimize or eliminate the risk factors.  Then you can implement strategies such as safety programs, employee training, and insurance solutions.  Your Trusted Choice Agent can assist you with your risk assessment and provide you with options for protecting yourself and your business. 
  2. Consider a Business Owner’s Policy.  For a smaller business, a property/liability/auto/business interruption combination policy may be a cost-effective solution for tailoring coverages to your business.  A separate policy may be required for unique risks.
  3. Find a Reputable Licensed Agent who can shop around for you.  A Trusted Choice Agent will help you identify your risk exposures and offer personalized coverages for you to consider.  Finding a good Insurance Agent is as important as finding a good Accountant or Lawyer. Choosing an inexperienced Insurance Advisor could cost you in the long run.
  4. Assess Your Coverages at Least Annually.  As your business grows, your insurance needs may change.  Keep your Trusted Choice Agent informed on operational changes so that you may be well protected.  Many policies are calculated  based on estimated sales or staffing.  If you have a great year, and your sales sky-rocket, so will the cost of your insurance.  Be sure you review your sales and staffing quarterly and let you Agent know of any significant changes, so that you can avoid a major surprise at the end of the policy term.

The Small Business Administration has some helpful information at http://www.sba.gov/content/buying-insurance, and Price Waterhouse has a good paper on Risk Assessment: http://www.pwc.com/en_us/us/issues/enterprise-risk-management/assets/risk_assessment_guide.pdf   Another good resource is at ready.gov: http://www.ready.gov/risk-assessment

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL
Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Michael Reso, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: azeringue@southgroup.net , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!  


#Southgroup   @stateauto  @libertymutual @TRV_insurance

Monday, June 30, 2014

BANG!! Be safe with those fireworks! Safety tips for you and yours

SNAP CRACKLE POP!!!!! POP POP!!  It's 4th of July!  Since the days of John Adams, even before our Declaration of Independence was signed, the idea of celebrating with "illuminations from one end of this continent to the other from this time forward forever more" has been our goal.  4th of July is a joyous family time with BBQ, Ice Cream, swimming, games, and fireworks "red glare".


The Consumer Product Safety Commission reminds us that fireworks can cause serious burns and injuries.  No one wants to spend their "family day" in the hospital!  So please be safe!




The National Council on Fireworks Safety offers some good and common sense safety tips for using consumer fireworks that should be heeded.
  • Closely supervise children and teens if they are using fireworks.
  • Do not allow young children to handle or use fireworks.
  • Only use Fireworks outdoors.
  • Have water ready to douse any fires.
  • Read the caution label on your fireworks before lighting them.
  • Obey local laws. Fireworks may be illegal where you live..
  • Don't drink and light fireworks at the same time --- this is a bad mixture!
  • Wear safety glasses.
  • Only light one firework at a time.
  • Never relight a “dud” firework.  Soak it in a bucket of water to be sure it is truly extinguished.
  • Never use homemade fireworks!
  • Report illegal explosives, like M-80s and quarter sticks, to your local fire or police department.
  • Always soak used fireworks in water before disposing of.
Have fun!!  and remember, as your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Michael Reso, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. Insurance is stressful, but we make saving easy.  We help you save money on insurance!  

Monday, June 23, 2014

Hey Pay Attention!! Distracted Driving Kills!


Texting is not the only distraction while driving – I have seen people reading, eating, putting on makeup, and reaching for a child in the back seat.  Yikes! More than 3,000 people were killed in 2012, and the number is exponentially more in 2014.  According to www.distraction.gov, more than 70% of adults and teens admit that they read and text while driving.  Until our cars can drive themselves, we need to pay attention while we are driving !!

Distracted driving is anything that momentarily may take our attention away from driving our vehicle.  Because texting requires mental, visual, and muscle attention, it is an extremely alarming distraction.  Texting has been around for 20 years and about 9 BILLION text messages are being sent annually.  Young adults are the heaviest users of texting with an average daily usage of more than 80 texts sent and received each day.

www.itcanwait.com provides ideas on how to disengage from the texting distraction while driving.  If you send “#X” before you start your engine, your friends will be alerted that you are driving and that the next text can wait.  An idea is to draw an X on your thumb to remind you to “#X” before you put your vehicle in Drive.  “No text is Worth a Life”.

Many states have laws banning texting while driving, so not only is it dangerous, but it may be illegal. This is a disaster that is preventable!

Adults need to set a good example for younger drivers too.  Just because you may be an experienced driver does not mean that you can text or answer emails while you drive, even on the Interstate.  Your family loves and needs you, so PUT THE PHONE DOWN AND DRIVE!

Most importantly, as your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Michael Reso, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. Insurance is stressful, but we make saving easy.  We help you save money on insurance!  

Thursday, June 19, 2014

Claims Claims Claims -- How to File an Insurance Claim

Automobile Claims...
The Basics...
  • Your agent's job is to help you.
  • But you can also help us to help you.
  • The more you can tell us about a loss, the more we can do to ensure that your claim quickly and efficiently.
  • If you are in an automobile accident, first seek medical attention for anyone who has been injured. Then you can begin gathering information to help with your claim.
  • Keep in mind that you are the best person to tell us what happened. So be prepared to provide as many details as possible about the accident, where it happened and how it occurred. This information can be critical in settling a claim.

Homeowners Claims...
When it comes to your home, any loss can be devastating. By working together, we can help make your recovery from a loss a lot less painful.
Property Damage Or Theft...
  • Begin by making a list of everything that has been damaged or lost in the claim. The more information you can provide, the more quickly we can adjust your claim.
  • List as much detail as possible including the model, place and date of purchase, and amount of all your damaged or stolen property.
  • Receipts, owner's manuals, canceled checks and credit card bills are especially helpful.
Fire And Smoke Damage...
You can take other steps to minimize the impact of a loss at home.
  • In case of fire and smoke damage promptly report your loss.
  • Do not try to clean the damaged items as sometimes cleaning things without the proper equipment can do more harm than good.
  • We can advise you how to best protect your property and review what is covered.
Water Damage...
If your home has suffered water damage...
  • Move all your possessions out of the affected areas and then make sure that all the water is removed.
  • A wetvac or emergency cleaning service can help with this job. If you use a cleaning service, save your receipts.
In the case of either fire or water damage, help protect the safety of your family and pets by keeping them out of the damaged areas.
If Your Home Is Uninhabitable...
  • If your home is uninhabitable and you must stay elsewhere, keep the receipts for all your expenses.
  • Your homeowners policy will pay for the covered expenses that exceed your normal, day-to-day living costs.
  • Receipts are helpful in determining how much you should be reimbursed.
  • It is also important that you provide us with a telephone number where we can reach you or a family member.

Liability Claim...
Another loss that is covered by homeowners insurance is a liability claim.
  • Liability claims occur when one person feels that he or she has sustained an injury because of someone else's negligence.
  • If you think you or a family member may have caused an injury to someone, or if someone is claiming that you have, please report the claim to our office immediately.
  • As with any other kind of incident, the more information you can provide to us, the better we can serve you. If someone is injured on your property, begin by making sure the person receives immediate medical attention.
  • Then collect full names, addresses and phone numbers for all parties involved.
  • Finally, gather as much information as you can about how the injury occurred and be prepared to provide your adjuster with as clear an account of the incident as possible.
Most importantly, as your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL
Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Michael Reso, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. Insurance is stressful, but we make saving easy.  We help you save money on insurance!