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Monday, April 23, 2012

Is Your Home Business Covered Under Your Insurance?

Is your Home Business covered under your insurance?  Check with your Trusted Choice agent to be sure you are properly insured against losses.  You should not assume that your home policy is providing you with coverage, because there are typically exclusions for business equipment and business operations. 

Depending on the type of business you operate, you can get coverage by adding an endorsement to your home policy for an additional fee, as long as the business is considered “incidental”.  Otherwise there are other policies available to provide you with the coverage you need to protect your investment in business property from theft, fire and liability exposures.  A businessowners policy is often very affordable and provides a number of valuable coverage such as protection of property both off and on the premises, accounts receivable coverage and loss of business income coverage if you suffer a loss from a covered peril.

You may also need an endorsement to your auto policy to cover the business use of your personal auto.  Also, as your company grows, you may wish to provide health insurance or other employee benefits.  More information is available at www.iii.org

Your Trusted Choice agent can analyze your personal and business operations and recommend coverages from a variety of insurance providers for you to consider. They can also help you find cost effective ways to manage your risk exposures, implement safety and security plans, and understand different deductible levels. All of these will help you to manage your overall cost and help you to understand the complexities of the coverage you need.


To help you through the maze of coverages, carriers, premiums, and 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, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Kayleigh Davis, Matthew Langlinais, Anne Gillam, Ashlie Moody, and Whitney Zimmerman 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:228-466-4498, 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.

 

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