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Monday, January 26, 2015

Who Needs Uninsured Motorist Coverage?

Every state, including Mississippi, requires drivers to carry a minimum standard of liability coverage. We all know that not everyone on the road has this mandatory coverage, however. In the Magnolia State, more people ignore this statute than in any other region. Some reports, according to the Wall Street Journal, indicate as many as 28 percent of Mississippi motorists are uninsured. That’s more than double the national average and indicates two in six drivers on the road do not carry insurance.

When you are involved in a collision with an uninsured motorist, this type of coverage can significantly help. Even though the other driver may be at fault, this coverage can help pay for treating your injuries and can sometimes even help repair your damaged vehicle. Without insurance, the other driver may still be responsible for these costs, but securing their payment would involve attorney fees and taking them to court.

More commonly, this type of insurance can help even if the other driver has insurance. Unfortunately, Mississippi’s minimum standards of liability coverage have not been updated in decades. What may have been sufficient coverage 20 years ago is no longer adequate to cover the rising cost of medical care.  These days, if a motorist only carries the bare minimum to meet state regulations, chances are very likely that he or she is underinsured. If you are involved in a collision with an underinsured driver, their policy is typically not nearly enough to cover the cost of you or your passengers’ injuries, not to mention any damages. By carrying this type of coverage yourself, you can avoid the added expense of such accidents.

Everyone can benefit from carrying uninsured/underinsured motorist coverage, but it can especially protect drivers in Mississippi where driving without insurance is so common. Just how much coverage you need depends on a few details. The limits for this coverage can range from $25,000 up to $1 million. Some insurance providers require the amount to be equal to your bodily injury liability limit, while others have fewer restrictions.

Our agents can answer any questions you may have about your uninsured/underinsured motorist coverage. We will help identify your auto insurance needs, suggest coverage options, and also assist you in finding a number of quotes from a variety of providers with which to compare. Contact a SouthGroup member agent near you to find out how you can obtain the best auto insurance coverage at the most affordable rates.




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 @progressive #savemoney @atreutel

Monday, January 19, 2015

Nonprofit Insurance to Be Sure Good Deeds Go Unpunished

As you sift through your shoe-string budget, write countless and endless grant applications and find revenue anywhere from couch cushions to the generous donations of your endowment funds, locating enough to cover those insurance premiums can be a daunting task for a nonprofit director. Finding the right insurance policy that covers your risks while fitting into that tightly knit budget can also be difficult.

Depending on whether your organization rents or owns its space, you may or may not need property insurance. In either case, your policy should cover the contents of your building such as computers, copiers, and other office equipment. If your organization works with people in any type of consulting fashion, such as those in the domestic violence non-profit realm, you will also want to purchase professional liability insurance that can protect you from claims that volunteers or staff gave poor advice or services.

Even if your non-profit only employs one staff member and the rest is operated by volunteers, you are most likely required to carry worker’s compensation and unemployment insurance. In some states and industries you may also be obligated to purchase disability insurance.

One policy that is often overlooked is known as D&O insurance. Your nonprofit’s board of directors and officers (many of whom are volunteers) could be personally named in a lawsuit against your nonprofit alleging fraud or financial mismanagement. If a board member invests the nonprofit’s assets unwisely and causes financial ruin, a creditor may sue the nonprofit as well as its directors and officers. In such a case, you’d want directors and officers (D&O) insurance to cover the cost of defending the directors and officers and pay any resulting financial damages.

Whatever your nonprofit organization’s insurance needs may be, our knowledgeable agents can help. These experienced agents work for your organization, not the insurance companies, enabling them to locate you a number of quotes with the best coverage options at the most affordable rates. Contact us to find out how your nonprofit can be insured against risks without diverting too much of your hard-found finances.




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 @progressive #savemoney @atreutel

Monday, January 12, 2015

What are the Advantages to Having a Trusted Choice® Independent Insurance Agent?

An independent insurance agent does not work for one particular insurance company, but one who has access to a variety of providers. How can working with an agent that is not tied to one insurance company benefit you?
One of the biggest advantages of using the services of an independent insurance agent is choice. Going through a “captive” agent, or one who works for a single company, often limits the coverage options available. An independent agent can help you shop for unique coverage options or more appropriate values and limits that may not be available through Big Insurance Shop X.

Another benefit of using an independent insurance agent is cost savings. Captive agents can be tempted into selling you more insurance than you actually need in order to increase the company’s bottom line. An independent agent doesn’t work for the insurance company – they work for you. These agents are also able to offer proposals from a variety of insurers, allowing you to choose options with better coverage at more affordable rates.

Working with an independent agent can also provide you with much needed, unbiased advice. Captive agents are trained in making it appear their offer is the best option for you. Independent insurance agents are not bound to a single company and can give you honest advice about a particular policy or coverage option.

In the event you need to file a claim, independent insurance agents are there to help you through the process. Having a trained professional working for you, instead of the insurance company, gives you confidence that you will receive a fair settlement that covers your losses.

Trusted Choice® independent insurance agents at SouthGroup offer these advantages and more. Our experienced, knowledgeable agents are always available to answer any questions you may have, thoroughly explain your options, identify your needs (and not the insurance company’s) and assist you in filing a claim. If freedom of choice, saving money, unbiased and professional advice and help when you need it sounds like the type of insurance you are interested in, an independent insurance agent is the way to go. Contact a SouthGroup agent near you to find out how you can find the best coverage at the most affordable rates through an agent who works for you.

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 @progressive #savemoney @atreutel

Sunday, January 4, 2015

Got the Right Business Insurance? Inquiring Minds Need to Know


Businesses face the same types of risks as individuals, and then some. Fires, car accidents, slips, falls, illnesses and injuries—and resulting lawsuits—are just some of the risks that businesses of all kinds face every day just by opening their doors to workers and customers. Whether your business is a multi-million dollar corporation or a sole proprietorship headquartered in your basement, you need some type of business insurance to protect your investment and your livelihood from all of the risks that you face.

Not every business needs the same type of business insurance, but most businesses—small or large—need a variety of policies that together address general business risks and more tailored industry or business-specific risks. Our job is to work together with you to uncover the specific threats to your business and recommend insurance policies and other techniques to protect your business property and assets, as well as provide liability protection in case you are sued.
Most business owners need a comprehensive property and liability insurance package at a minimum, as well as certain specialty polices that protect against the unique risks that they face.

Commercial Property Coverage
Business property insurance protects you when your business property is damaged by someone else or by some type of unforeseen event. You need business property insurance if you own your building or have tangible business assets. A commercial property policy protects things like office equipment, computers, inventory and tools from fire, vandalism, smoke, theft and other perils. Commercial property insurance policies usually include business interruption coverage, which protects your earnings if your business is unable to operate because of damage caused by some type of covered peril.

Commercial Auto Coverage
Commercial auto insurance protects your company’s vehicles and drivers. It covers your business cars, SUVs, vans and trucks if they are damaged in a collision or some other type of event. If you do not have any company-owned vehicles but you or your employees drive personal vehicles for business purposes, you need to have non-owned or hired auto coverage to protect your company if an employee is in an accident while driving a personal vehicle for business purposes.

Liability Coverage

All businesses need some type of liability coverage. Commercial general liability (CGL) insurance protects you against damage that you cause to other people or other people’s property (bodily injury liability and property damage liability).

A lawsuit or a liability judgment rendered against your business can be financially devastating and your CGL policy can be your last line of defense. It provides coverage for damage that you, your employees, or your products or services cause or are alleged to have caused to a third party. In addition, commercial general liability insurance provides coverage for the cost of your legal defense if you are sued.

Some businesses may need additional liability policies to protect them from certain unique liability risks inherent to their business. Additional business liability policies that you must consider include professional liability (errors and omissions) insurance, cyber liability insurance, product liability insurance, employment practices liability insurance, and others.

Small business owners often purchase both property and liability coverage in one convenient package called a business owners policy, or BOP. BOPs often include commercial property coverage, commercial liability coverage and business interruption coverage.

Workers’ Compensation Coverage

Workers’ compensation insurance protects employees who are injured on the job. It provides income replacement and medical benefits to workers who sustain an illness or injury that is caused by performing job duties. Employees are protected from the costs of treating the injury and from losing income while they are unable to work, and you are protected from the likelihood that an injured employee will sue you for additional damages. State workers’ compensation laws vary, but most employers are required to purchase workers’ compensation insurance or face fines for non-compliance.

Other Types of Coverage

Depending on the type and size of your business you may need additional types of insurance policies to protect various aspects of your business. Some employers may choose to provide a variety of employee benefits, including group health insurance, dental insurance and others. Construction companies may need additional types of construction insurance as well as various types of bonds in order to obtain new business. Manufacturers, restaurants, retail establishments and many more types of businesses will need a combination of coverage types that address the exposures they face while doing business.

You need an independent insurance agent who can serve all of your unique business insurance needs. We can help you find the best policies that suit your needs and budget requirements. Are you interested in learning more about the different types of insurance your business needs? Do you have the right insurance policies and risk management techniques in place to protect you livelihood and your employees?


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 @progressive #savemoney @atreutel

Tuesday, December 30, 2014

Replacement Cost vs. Actual Cash Value Home Insurance: What You Need to Know

Insurance companies provide coverage for your home and possessions based on either their actual cash value or their replacement cost. Actual cash value home insurance policies provide coverage for what your home is worth at the time of loss. Replacement cost policies will reimburse you for what it would cost to rebuild your home using all of the same materials at today’s prices.

It is important to remember that your home’s replacement cost is not the same as its market value, or how much you could sell it for. A home’s replacement cost for insurance purposes is based on a number of variables that determine what it would cost to rebuild your home with similar materials at today’s costs. The variables that make up your home’s replacement cost will fluctuate over time, so the number is not set in stone. You will need to review your policy at least annually to make sure that your replacement cost figure is keeping up with the times.

How should you determine your home’s proper replacement cost? Your insurance company will likely ask you a series of questions about your home and your responses will be plugged into a model that determines its replacement cost. Your job is to have some idea of whether or not the figure is accurate so you can be assured that your home is properly protected or that you are not over-insured. Consider talking to some home builders in your area as well as visiting some home improvement stores to help figure out what it would cost to replace your home’s interior and exterior finishes (including labor) at today’s prices. Together we can make sure that your home is properly insured and its replacement cost is accurate.

Don’t forget to evaluate your personal property coverage as well. Personal property coverage in a homeowners insurance policy typically starts out at a percentage of your home’s dwelling coverage, but if you feel you need more coverage because of certain valuable items, don’t be afraid to increase your personal property coverage limit or add special riders or endorsements to protect your valuables. Preparing a home inventory is extremely helpful in determining if you have sufficient coverage for the contents of your home.

Once you have settled on a replacement cost figure, remember that it will need to be re-evaluated every year to account for changes in building materials and labor as they fluctuate over time. We will work closely with you to determine the replacement cost of your home and belongings, and we can help you with auto insurance, personal umbrella insurance and any other personal insurance needs that you may have.

Have you reviewed your homeowners insurance policy lately? Are you satisfied that your replacement cost figure is accurate? Do you need to upgrade your actual cash value policy to a replacement cost policy?




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 @progressive #savemoney @atreutel

Thursday, October 30, 2014

Boo! Halloween Safety and Insurance Coverage

Thankfully, this year Halloween falls on a Friday, which is better for most kids and parents because it is not on a school-night.  Halloween is fun, but sometimes things happen, and it is good to know you are doing everything you can to protect you and the goblins who may be visiting your home.


Take these steps to make your home safe for trick-or-treaters, so you can avoid Halloween disasters!
  • Remove any objects around the outside of your house that could cause someone to trip or fall.
  • Turn on your outside light, so children will know they can visit your home.
  • Keep candles, jack-o-lanterns, matches and lighters in a place that children cannot reach.
  • Keep pets inside and away from trick-or-treaters and lit candles, especially if they are easily frightened or become over-excited in the presence of strangers.
  • If using decorative lights indoors or outdoors, use lights certified by a recognized organization such as UL (Underwriters Laboratories). Check lights for broken or cracked sockets, frayed or bare wires or loose connections. Discard damaged sets. Do not overload extension cords. 

The good news - your insurance provides coverage for many Halloween-related disasters:


  • A trick-or-treater is injured on your property
    If a trick-or-treater or Halloween party guest is accidently injured in your house or apartment, you will be covered under the liability portion of your homeowners or renters insurance policy, if the injured guest should sue you.  Under most policies, there is also medical payments coverage available that the injured party could file their medical claim with your insurance company and avoid a lawsuit. Not everyone is familiar with this coverage, but it provides very important financial protection. Talk to your Trusted Choice Agent and verify you have this valuable coverage on your policy.
  • You crash your car into a tree to avoid hitting a trick-or-treaterWe all plan to drive slowly and carefully, but a group of excited trick-or-treaters could dart in front of your car causing you to swerve and hit a tree, but you should be covered under a good insurance policy. Talk to your Trusted Choice Agent and verify you have this valuable coverage on your policy.  Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.
  • Your home or car is the target of mischief Standard homeowners and renters insurance policies provide coverage for vandalism. A deductible must be paid first, and if you suffer expensive damage to your home or possessions your insurance policy will help you be financially protected. If your car is damaged by trick-or-treaters, you have coverage under the comprehensive portion of your auto insurance policy, if you carry it on your policy.  Talk to your Trusted Choice Agent and verify you have this valuable coverage on your policy.
  • There is a fire in your home If a Halloween candle or electrically powered decoration causes a fire, the damage will be covered under a standard homeowners and renters insurance policies. Talk to your Trusted Choice Agent and verify you have this valuable coverage on your policy.  If the fire is significant enough to make your home unlivable, you would also want to be covered for additional living expenses, such as having to check into a hotel while your home is being repaired.










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 @progressive #savemoney @atreutel

Tuesday, October 28, 2014

Whether you are insuring your home or your business, it is vital that your property insurance is sufficient to rebuild or replace your building if it is completely destroyed. Deciding how much to insure a commercial property for can be a complicated but necessary process for business owners.

Having the right amount of business property insurance will ensure that your business can continue to operate should the worst happen.

There are two types of commercial property insurance: actual cash value coverage, and replacement cost coverage.

Actual cash value coverage provides reimbursement for the depreciated value of your damaged business property, and will help you protect the investment you have made in your building. But in many cases, actual cash value coverage will not provide sufficient coverage to repair or rebuild the lost or damaged property with similar materials at today’s prices. However, it might provide suitable reimbursement that allows you to purchase a similar building at another location.

Replacement cost coverage provides reimbursement for the cost to repair or rebuild your business property with similar materials at today’s building costs. You will be able to use new materials and the value of the lost property will not include a deduction for depreciation.

As a business owner, you must decide what actions you would need to take if your business property were destroyed. Could you relocate your business? Or, is your current building and location the only one that is suitable? In order to determine the replacement cost for your building and the amount of insurance you should therefore carry, you need to determine what it would take to rebuild the building with the same materials at today’s construction costs. The market value of the building and the value of the land it sits on are not part of this calculation; the figure you come up with could be similar, more or less than what you could actually sell the property for.

Remember that your business property’s replacement cost is not static. Building costs fluctuate all the time and often skyrocket after a large-scale disaster. You need to review your replacement cost figure every year to make sure that you have sufficient coverage. You must also take into account the cost of debris removal before reconstruction can begin, inflation, and new building codes that can have a significant impact on the cost of construction.

We have helped businesses of all types and sizes determine their business property replacement cost. We will work closely with you to assess the risks you face, whether or not you would need to move or rebuild after a disaster, and any other types of business insurance you might need to protect your investment and your livelihood.

Have you reviewed your business insurance coverage lately? Now is the time! Contact South Group Insurance Services today to conduct a complete business insurance review.


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 @progressive #savemoney @atreutel