Google+ Profile

.

Saturday, August 1, 2020

Swimming Pools - Your Liability and Insurance

Baby it's HOT HOT HOT -- time for a jump in the swimming pool!  The Insurance Information Institute just completed their Pool Safety Campaign and offer an educational video on Pool and Spa Safety https://www.iii.org/video/swimming-pool-safety.  Many areas of the nation are reaching 100 degrees or higher!  It's so hot that everyone wants to relax in a pool.

You may not realize it, but pools are very dangerous for young children, so there are several things you should do to ensure safe fun:
+ Keep the pool behind a fence
+ Empty portable pools when not in use or cover a larger pool
+ Always supervise children in a pool
+ Teach your children to swim and float, and basic water safety
+ Don't leave toys in the pool, because that attracts children
+ Limit alcohol use around pools and excessive heat

There are many pool safety videos and ideas at PoolSafety.gov and https://poolonomics.com/pool-safetyhttps://poolonomics.com/pool-safety/.

You are liable if someone drowns or is injured in your pool even if you did not give them permission to use the pool.  Make sure your Trusted Choice agent knows you have a pool so that the liability coverage may be added to your home policy.  Some insurance carriers exclude pool liablity coverage, so your agent may have to assist you in obtaining separate coverage.  A good practice is to carry at least $300,000 liability and umbrella coverage, if you own a pool.

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel,  Anne Gillam, Ashlie Moody, and Whitney Zimmerman Webb at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup


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

Wednesday, July 1, 2020

Commercial Vehicle Insurance Coverages and Protection

Commercial Vehicle Insurance - Cover Drivers and Vehicles

The risks you face as a business owner vary widely from liability concerns to workers compensation issues to the possibility that one of your workers could be responsible for an accident. If you have staff members who get behind the wheel, your commercial vehicle insurance will protect your business financially in the event of incident on the road.
One of the best ways to identify the right commercial vehicle policy for your needs is to work with an independent agent in the Trusted Choice® network. These professionals have relationships with many different insurance companies, so they can help cover every aspect of your business insurance needs. Contact a local member agent in your area to get your questions answered and find the protection you need.

Who Needs Commercial Vehicle Insurance?

If you or your staff members use a vehicle for commercial purposes, you need a commercial auto policy, as your standard personal auto policy will typically not cover you for business use of that vehicle.
The risks associated with commercial use of a vehicle, whether it is personally owned or company owned, often call for higher policy limits and different policy provisions.

Do You Need Commercial Vehicle Insurance?

In some cases, it is obvious that you need a commercial vehicle policy. For example, if you have a delivery service, limousine service, or a restaurant that delivers food, you know for certain that your business takes on risk each time you or a staff member drives one of your vehicles.
But there are many confusing scenarios where business car insurance is concerned. What if you use your personal vehicle to drive your kids around and to deliver cakes from your home bakery service? What if you attach a plow to the front of your truck each winter and offer snow plowing services?
It is typically a question of primary use, but you may have a unique situation to address. If you use any vehicle for business purposes, it definitely pays to talk with an agent who understands both personal and commercial vehicle insurance so you can make sure you have the right protection to meet your needs.

What Does Commercial Vehicle Insurance Cover?

Commercial vehicle policies, like personal auto policies, are primarily designed to cover your liability risks and provide compensation for damage to your vehicle. But instead of just covering your personal use of the vehicle, the policy covers you and any other person who drives the vehicle. If you have employees who use their own vehicles for work related to your business, you need to make sure your commercial auto policy covers those employees and their vehicles.
A typical policy will include:
  • Liability: Covers expenses resulting from an accident you or an employee causes, including:
    • Bodily injury to another person
    • Property damage to another person’s property
    • Legal fees
  • Medical payments: Covers hospitalization and other medical expenses for you or your employees, and any passengers in your vehicle
  • Uninsured/underinsured motorist: Covers bodily injury and property damage you or your employees and passengers incur if an uninsured or underinsured motorist caused the accident.
  • Collision coverage: Covers your vehicle when another object or vehicle causes damage.
  • Comprehensive coverage: Covers “other than collision” perils such as weather damage, theft and vandalism.

Get the Right Business Vehicle Insurance for Your Company

With commercial vehicle insurance, there is no “one size fits all.” The variables that affect the kind of coverage you need include the size of your company, whether you have one company car, a dump truck, a fleet of limousines or freight trucks, or a few delivery vans. You also may need special coverage for transporting hazardous or flammable materials.
In addition to these factors, your commercial vehicles may be subject to state and federal regulations that impact your insurance coverage. Every business is unique, and therefore each commercial vehicle policy must be tailored to the business.
To get the right policy and the right amount of coverage for your company, talk with an agent who will fully explore your commercial vehicle usage and risks. When you meet with your agent, be sure to provide all the important facts regarding your company vehicle use, such as:
  • How is the company organized (from a legal perspective)?
  • What types of vehicles does your company use?
  • Who owns them?
  • Who drives them? You will need to provide driver’s license information for each driver.
  • How often do you or your employees drive these vehicles?
  • Do you transport people? Transport or deliver goods? Use the vehicles to provide services? What kind?
The bottom line is that a business needs a flexible, tailored company car insurance policy, and it is important to make sure your policy adequately covers your real world use and risks.

Get a Commercial Vehicle Insurance Quote for Peace of Mind

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, Tracy Arnold, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland,  and Whitney Zimmerman Webb 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi 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!
#trustedchoice #southgroup @southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Monday, June 1, 2020

Hurricanes and Flooding - Tis the Season

Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as critical as with other types of emergencies.

Compound this with wet summer weather that creates dangerous hurricanes with excessive winds and lots of water movement, and you have the perfect storm for flooding.

Before we get into how you can prevent, limit or react to flooding, it’s important to note that flood damage is typically not covered by your homeowners or renters insurance. There are specialized flood insurance programs that we at SouthGroup Insurance can discuss with you. Just contact us at 228-466-4498 or 228-385-1177 or info@southgroupgulfcoast.com for more information if you live in Mississippi, Louisiana, Florida, Arkansas, Georgia, Tennessee, or Texas.

Preparing for a flood

The Federal Emergency Management Agency recommends a number of steps to stay safe during emergencies and limit damage from flooding. You should:

+ Build an emergency kit for your family containing such items as drinking water and nonperishable food for each member of your family (two-week supply), flashlights,  a radio, extra batteries, a first-aid kit, necessary medications, personal hygiene items and copies of important documents.
+ Create a communication plan so family members can reach one another.
+ Elevate your air conditioner, water heater and electric panel in your home if live in an area with a high flood risk.
+Consider installing “check valves” to prevent floodwater from backing up into the drains of your home.
+If possible, employ flood mitigation measures to stop floodwater from entering your home.

During a flood


If a flood is likely in your area, quick action may be necessary to protect your family and property. You should:

+Get information from the radio or television.
+Move immediately to higher ground if there is any possibility of a flash flood. Do not wait for instructions to move.
+If you need to evacuate, secure your home and move essential items to an upper floor. Turn off utilities if instructed to do so, and disconnect electrical appliances. However, do not touch electrical equipment if you are wet or standing in water.
+Do not walk through moving water — it can make you fall. Use a stick to check the firmness of the ground in front of you.
+Do not drive into flooded areas. If you are caught in your vehicle in floodwater, abandon your car and move to higher ground if you can do so safely.
+If you have evacuated your home, do not return until authorities tell you it is safe.

After a flood

Flooding can cause emotional stress along with physical hazards, so be mindful of the well-being of you and your family during the aftermath.
+Floodwater can be contaminated by oil, gasoline or sewage, so avoid contact as much as possible.+Make sure your city’s water supply is safe to drink.
+Clean and disinfect everything that was in contact with floodwater.


The Red Cross has a free book available called “Repairing Your Flooded Home,” which contains useful information as you clean up. It’s available at www.redcross.org. Of course, don’t hesitate to contact us as well — we’re ready to help!


If you have flood insurance, contact the claims center of your provider as soon as possible.


If you don't have flood insurance, don't wait!  There is a 30 day waiting period for most coverage.  There are other options available for private insurance, so shop around with your local Trusted Choice Agent.

Flooding is one of the most common hazards in the U.S. Being prepared for any emergency is crucial for the safety of you and your family. Don’t be caught off guard!



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, Tracy Arnold, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, Johnny Walton and Whitney Zimmerman Webb 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi 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!
#trustedchoice #southgroup @southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Friday, May 1, 2020

Life Insurance - When to Buy and How Much Do You Need

You are not planning to have a heart attack tomorrow, or get a cancer diagnosis, or accidentally step out in front of a bus. For that reason, and especially if you are young and healthy and have no dependents, life insurance probably isn’t for you. Or is it?
Let’s look at what life insurance is, what it covers, and why people buy it. Then you can decide if now is the time to contact an independent agent in the Trusted Choice network who specializes in life insurance. Because these agents work with multiple life insurance carriers, they can compare policies and options on your behalf and help you make the best choice. Contact a local  .southgroupgulfcoast.com for help meeting your life insurance goals.

Life Insurance Statistics

  • 40% of American adults have no life insurance
  • Over 50% of U.S. households lack adequate life insurance coverage
  • About 40% of people surveyed say they would have immediate financial trouble if the primary wage earner in their household died

Why Buy Life Insurance?

As with all insurance, life insurance plans are about preparing for the unexpected. We don’t plan to have a heart attack or meet an untimely end. We may fret about the unforeseen, but there are few ways to prepare for it. Life insurance provides a way to be prepared and get peace of mind.
The main reason to buy life insurance is for financial protection for your family and dependents. If you are the sole income earner or the major provider in your family, then life insurance definitely makes sense. If you should die unexpectedly, your policy will help your loved ones pay your final expenses and potentially receive ongoing support. The amount they receive will depend upon the size of policy you buy.

Do You Need Life Insurance When You Are Young?

Most people don’t think about buying life insurance when they are young, healthy and single. However, if something should happen to you unexpectedly, a life insurance policy could pay for your student loans or other large outstanding debts, as well as your funeral expenses. These are never fun things to think about, but evaluating risks is a first step to preparedness.
Another good reason to consider buying life insurance at a younger age is to lock in rates. The affordability of life insurance is based largely on your age and risk factors, and life insurance for adults becomes increasingly expensive. While you are young and healthy, you will pay lower premiums. With short term insurance you can choose a lock-in term, such as 15 or 20 years at a preferred rate.
It is important to know that many term policies can be converted into permanent policies later on, without having to re-qualify. If you develop a severe or chronic condition at any point, your life insurance is already secured. Essentially you can insure your insurability.

Life Insurance Over 30

Most people begin seriously thinking about buying a life insurance policy at about the time they start a family. If you are like many people, the light bulb may come on at about the age of 30, when you realize that you are mortal, and that you have real financial responsibilities.
An important consideration for anyone who wants to purchase life insurance is that it will never be cheaper than it is today. It’s not too late at the age of 30, 40 or 50 or even later to buy life insurance that will protect your dependents from financial hardship or provide for you in retirement. But your costs will go up the longer you wait. If you do buy life insurance now, you can lock in a life insurance premium at a more affordable rate than it will be a few years down the road.

How Much Life Insurance Do You Need?

Choosing a life insurance plan requires a bit of math. You want to figure out how much your family needs for daily spending and major upcoming expenses in the event that you pass away too soon and cannot provide for them. Or, if you are young, single and healthy, you can look at the cost of paying off any debt you have accumulated, or the cost of care for an aging parent.
For the following simple example, we will pretend there is no interest or tax. But in reality those factors will affect the amount of benefit your beneficiaries receive.
Example:
  • You purchase a $500,000 life insurance policy.
  • Upon your passing, your family spends $10,000 for your final expenses, leaving $490,000 to be divided up over the payout period for your designated beneficiaries.
  • If the payout period is 20 years, the payments would be about $24,500 per year, or about $2,040 per month.
Again, interest and tax are not figured into this simplified example. What makes life insurance so confusing is that there are several different types of coverage, including term life and whole life or permanent life insurance. Additionally, the details of the policy you choose will be unique to your personal situation.

Life Insurance Terminology

It can be difficult to make sense of life insurance terminology. Here is a brief overview of the most common terms:
  • Accidental death insurance: Also known as accidental death and dismemberment insurance, or AD&D, this coverage pays you or a beneficiary a benefit if you are in an accident that results in your being killed or dismembered.
  • Annuities: An annuity is a type of insurance that either pays income after your initial investment (immediate annuity) or accumulates income (deferred annuity). Either of these types of annuities can be fixed (guaranteed) or assigned a variable rate that pays out based on the policy’s associated investments. Life insurance companies typically offer annuities to help people  obtain a stable income during retirement.
  • Critical Illness Insurance: While not a life insurance policy, critical illness insurance is often available through life insurance companies. You might buy critical illness insurance (or CI) if you have a family history of heart disease or cancer in order to ensure that you have the financial resources to pay for your care if you are diagnosed with a severe illness.
  • No exam life insurance: This is life insurance coverage that some companies offer without requiring a medical exam first. Typically, this option will be more expensive because without submitting the results of a medical exam to the insurance company, you are an unknown and potentially greater risk.
  • Term life insurance: This is a life insurance policy that provides a death benefit only. Your annual premiums are locked in for a set term, such as 10 or 20 years. In the event that you pass away during this period, a death benefit is paid to your beneficiaries.
  • Permanent life insurance: This is a long-term policy, such as universal life insurance or whole life insurance, that includes an investment component and can cover retirement expenses in addition to providing a death benefit.
  • Universal life insurance: A permanent life insurance policy with a “liquid” account that accrues cash value, as well as interest, with each premium you pay. You can take out loans as needed for unexpected expenses or opportunities, such as a home purchase. You also can pay more than the scheduled premium, or take breaks from paying premiums.
  • Whole life insurance: Whole life is a permanent policy with an investment component that provides for your financial needs similarly to universal life insurance, but without the liquidity of the funds. This life insurance policy accrues a cash value and pays out at the end of the policy, if it is kept current.

Finding the Right Life Insurance for You

Life insurance causes more confusion for people than perhaps any other type of insurance, partly because there are several different types of life insurance products, and partly because the best life insurance is unique to each individual. Should you buy term life or permanent life insurance? Do you need a broker or can you get life insurance from an agency? Should you buy life insurance coverage online or is that too risky?
While you can buy online life insurance, it may be difficult to know what you are getting and whether it will adequately meet your family’s needs. Buying life insurance is a very personal decision. You may want a policy that builds cash value over time, or you may simply want to purchase coverage that will provide a death benefit if you should pass away within a specific term.
Depending upon the ages of your children and how long it is until they graduate from college, a 10-year, 20-year or 30-year life insurance term policy might be appropriate for you. Or, you may need life insurance to cover only your final expenses. These choices are individual, and for this reason it is smart to consult with a knowledgeable life insurance agent.

How an Independent Agent Can Help Find the Best Life Insurance

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, Tracy Arnold, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman Webb 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi 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!
#trustedchoice #southgroup @southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Thursday, April 23, 2020

A Little Time at Home - Helpful Spring Cleaning Tips during the COVID quarantine

We have all benefited and gone stir-crazy during this COVID stay-at-home time, so let's put our remaining energy to good use to make our homes better!

Cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.)

For the exterior:

+Trim back any overgrown foliage and cut back any tree limbs overhanging or touching your roof by at least 3 feet.  Limbs striking the home can cause damage to the roof and your home and allow for water penetration and insect intrusion.

+ Eliminate any debris in the yard which is unsightly and may become a liability hazard should someone trip and fall.  Also fill any holes in the yard which may cause someone to stumble and become injured.

+ Repair and damaged or rotten areas on the home or outbuildings and pressure wash any nasty green mold you may see.

For the interior:

+Take it one room at a time. Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently.

+Follow the six-month rule. Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it.

+Don’t forget the kitchen. Just like other rooms, your kitchen likely has things that haven’t been used in some time — and this includes food in the refrigerator or freezer. Give those appliances a thorough cleaning and get rid of anything you won’t be eating.

+Set yourself up for success. Paper clutter is something we all could probably cut back on pretty easily. Setting up a few recycling bins throughout the house gives you a convenient alternative to just setting that old magazine or paperwork down somewhere and watching the pile grow.

+Stay safe. When you’re cleaning or maintaining your home, be mindful of the physical risks involved. Lift with your leg muscles, not your back. Avoid prolonged repetitive motions. Use ladders, lawnmowers and other dangerous tools with caution.

Contact Us!

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, Tracy Arnold, 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 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!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Wednesday, April 22, 2020

COVID Getting Back to Business Using Risk Management

We are all getting excited about getting back to business, but none of us wants to have to deal with another bad situation, so there are some important risk management steps we can take to bring our businesses alive again in the safest possible manner.  There are several really good implementation ideas in this article from our HR Partner (www.myhrconcierge.com)

Start by Conducting a Risk Assessment to identify hazards and high-risk areas such as breakrooms or other places where people may gather and if there is possible exposure while staff is performing their duties.  Identify any high-risk individuals that need to be afforded extra protections.  Then evaluate the likelihood of infections and how you will deal with the situation.  Think of your worst case scenario.

Following your Assessment, work on a plan to control your risk by avoiding it altogether if possible, or taking preventive action to control it. 

The Center for Disease Control and Prevention (CDC) and OSHA provide guidance on workplace controls to consider.  Alternating work schedules may be helpful in reducing exposure and continuing social distancing.  Use of masks and gloves and good hygiene are recommended, in addition to changing air filters frequently.  Host meetings virtually and discourage hand shaking.

Become knowledgeable of the symptoms of illness and take proactive measures to confidentially handle the situation by expressing sympathy because there will be a lot of fear, and then have the individual identify any others they have encountered in the past 14 days who may also be exposed and will now need to be isolated, and then direct the employee with symptoms to seek medical attention.

Frequent environmental cleaning to sanitize your facility is recommended including cleaning and disinfecting any surfaces or devices touched by humans – keyboards, doorknobs, light stitches, desks, etc.

Our world will be changed and we will all be more cautious, but we can work together to get back to business!

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel,  Anne Gillam, Ashlie Moody, Mark Strickland, Johnny Walton, Tracy Arnold  and Whitney Zimmerman Webb at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! 

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Thursday, January 2, 2020

It's a New Year!! Top 6 Reasons To Review Your Insurance Policies!

It's a brand new year filled with resolutions of things we all plan to do to better our lives this year. We think about our diet, our lifestyle and our habits for starters, but who thinks about their insurance?

Like any good and necessary financial review, looking over your insurance policies is equally important and here's the top 6 reasons why you should!

1) Changes to your property could make a difference in the event of a claim!
Have you added a room to your home? Changed the style of roofing material from shingle to tile?
Added a workshop to your property? There are so many simple changes you can make to your
property that are more significant than you realize when it comes to making a claim. If you spend
$10,000 on an addition but failed to inform your insurer to increase your coverage then face a total
loss later on, that addition will not be included in your claim pay out and can cause problems by
delaying the claim processing. This is just one example of many ways these types of changes can affect your policy.  When reviewing your insurance with your 
Trusted Choice Advisor, be sure to mention any updates you've made to your home regardless of how significant you think they are!

2) Lifestyle changes can create a demand for more or less insurance coverage.
Do you have any new household members? Did someone move in or out? These things may affect your coverage needs. Employment changes, driving distances, and so much more may cause you to need to make important changes to your coverages. In some cases marriages, safer jobs, installing a security system and so much more can be beneficial to your insurance and reduce your rate. Make a list of changes in your life to review with your 
Trusted Choice insurance agent today. 

3) You could have too much or too little coverage?
Most people purchase an insurance policy when they first purchase their home, but never review
the policy again after years of ownership. Changes in market values, building supply costs, changes to your home design or even the contents of your home are just a few items that need to be discussed with your insurance agent on a regular basis. Does your home or wind or flood policy provide an inflation guard?  Are your coverages consistent on all of your policies?   Your 
Trusted Choice insurance advisor can tell you after reviewing this information if you have the right amount of coverage for your protection. In some cases you may even have more coverage than necessary, causing you additional expense that you don't need.

Unlike your home policy, however, when you first purchase an auto policy it's usually for a new car
and the value of the car decreases over time. Also, the way you use your vehicle may change over
time. Are you traveling more or less? Are you using your car for business? Is anyone new driving
your car or has a driver previously listed left your household? These are just a few questions to
consider when reviewing your auto insurance policy with your 
Trusted Choice Agent

4) You may be too complacent
Your life and surroundings are constantly changing, but you've had your faith for years now that your insurance will automatically do what you need it to do. Without your input or updates, your policy will remain as it was written years ago, but that may not be suited for you. Have you become complacent? Are you forgetting something? You may not even realize you are, but sitting down with your 
Trusted Choice insurance agent may spark your memory! 

5) Your business may not be accurately protected
In Business, owners are very focused on day-to-day activities, and small business changes could effect insurance rates. For example, new equipment for your business may have been purchased or new insurance products and services are now available. Have your sales increased significantly? You may need to adjust your coverage.  Have you downsized in some way? This could result in a premium reduction. If you have made any changes during the year, be sure to discuss these with your 
Trusted Choice Advisor. 

6) When your child goes away to college, what will YOU learn?
As the primary purchaser of your child’s belongings, you are truly aware of the value, so protecting your child’s possessions against loss is a financial priority. Is your child taking a vehicle to school? This is an important consideration as it can have an impact on your auto premium. Planning ahead will help make sure your child is properly insured while away at college. Having the right coverage in place could save you money in the long run.


We're just scratching the surface here! 

Make a list of your questions to bring to your insurance review. Remember no question is foolish. We are licensed Trusted Choice agents with training and education in the industry, and we don't expect our clients to fully understand the ins & outs of insurance, but we are eager to share our knowledge with you. "Do I need extended coverage for my valuables?" "Is my landscaping covered?" "Do I qualify for any discounts?" "Has the rating of my insurance company changed since my policy was written?" These are just a few examples of important questions you need answers to.

Schedule your appointment at one of our convenient locations today. We are looking forward to your review!

Your Trusted Choice Insurance Agent stands ready to assist you. We help you through the maze of insurance coverages, carriers, and premiums, and we find the best personal and business coverage for you at affordable rates. We help you save money on insurance --- and we save you time!  And remember, when it comes to insurance, one size does not fit all.

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel,  Anne Gillam, Ashlie Moody, Mark Strickland, Johnny Walton, Tracy Arnold  and Whitney Zimmerman Webb at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! 

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel