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Sunday, May 1, 2022

Professional Liability Insurance - How This Protects You and Your Business

Any professional who operates their own business or provides a service to customers should protect themselves with professional liability insurance—this, of course, is in addition to any business policy they may already have. This protects the insured against the hefty financial loss that can come with any lawsuit filed against them by their clients.  This information is brought to you courtesy of SouthGroup Insurance and Trusted Choice.  The full article may be viewed here: https://www.trustedchoice.com/professional-liability-insurance/ 

Any lawsuit, no matter if it ends up in court or is settled without it, will be expensive to resolve. Professional liability insurance is designed to help protect you from what could be a serious financial burden. 

Professional liability insurance is coverage that protects you from client lawsuits after financial damage or loss, whether that's from the things you did as a part of your contract, OR things you neglected to do that may have led to harm. If you're caught without coverage, you’ll have to pay some pretty expensive legal defense costs out of pocket.

Within professional liability insurance are unique policies like errors & omissions insurance and malpractice. Errors & omissions is designed to protect professionals who provide services, like consultants, accountants, etc., whereas malpractice is designed to cover medical professionals.

There are two different professional liability coverage types: a claims-made and an occurrence policy. 

claims-made policy must be in effect both when the lawsuit is filed and when the incident in the suit took place. This type of policy is the most common, and is usually less expensive.

An occurrence policy covers any incident that takes place during the coverage period, even if the actual lawsuit is filed after the policy expiration. This type of policy provides more comprehensive coverage and is higher priced.

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, 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, Mark Strickland,  Anne Gillam, Michael Scardino, Joey Eagle, Cody Barnes, Wendy Butler and Melinda Teaford at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520 or 2505 Pass Road, Biloxi MS 39531;  email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast. We have 2 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, Florida, Georgia, Tennessee, Texas 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 #savemoneyoninsurance

Friday, April 1, 2022

Farm Insurance for Your Farm, Your Equipment, and for Your Legal Protection

Farm insurance is a unique type of insurance, much different from homeowners or commercial insurance. It’s also a broad category, as it can include small family farms, hobby farms, large agribusinesses, and ranches. In addition to being able to cover any type of farming equipment, it can also cover your house, and provides liability protection against lawsuits that could arise from your farming operations. 

Since it’s fairly complex and requires a thorough understanding of both your farming activities and the insurance options that can cover it, it’s best to speak with a trusted independent insurance agent who can guide you through the process and make sure you are properly covered.  This article is compliments of Trusted Choice.  You may view the full article here: https://www.trustedchoice.com/farm-ranch/farm/ 

What Does Farm Insurance Cover? 

Farm insurance is often a hybrid of personal insurance and commercial insurance. Sometimes it looks a lot like homeowners insurance, while at other times it very closely resembles commercial insurance. 

Farm insurance is very flexible in what it can cover, and is able to be tailored to the exact needs of each farm. Most farm insurance policies contain at least the following things.                                      

Farm Insurance Coverage Levels
Basic
Extra Options
Dwelling
Basic coverage
Farm Liability
Basic coverage
Barn/Outbuilding Coverage
Extra options
Crop Coverage
Extra options
Livestock Coverage
Extra options
Farm Equipment Coverage
Extra options
Multi-Peril Crop Coverage (MPCI)
Extra options
Crop-Hail Coverage
Extra options
Specialized Peril
Extra options
Grain Fire Policy
Extra options
Rainfall Policy
Extra options
Citrus Freeze Policy
Extra options
Citrus Business Interruption Policy
Extra options

Basics

Farm insurance is essentially an a la carte insurance program where you can pick and choose what you want to cover. However, most farm insurance policies have at least a house and liability on them. 

  • Dwelling: Most farm insurance policies cover the farmer’s house, though technically this isn’t required. When the house is on the policy, it’s usually covered at replacement cost or actual cash value, just like a homeowners insurance policy. You can still have farm insurance even if you don’t have a house on the policy. 
  • Farm liability: Farm liability is fairly broad and flexible. It provides liability coverage in case you or your farm is responsible for somebody else’s injuries or property damage. And it can be structured to cover more than one location, such as farms with many acres that are spread out over multiple farms. 

Extra options

The nature of your farm will determine what type of extra coverage options you’ll want to put on your farm insurance policy. There are rarely any automatic coverages that come with a basic farm insurance policy, so you’ll want to make sure everything is specifically listed on your policy that you want coverage for. 

  • Barn/outbuilding coverage: If you insure your house on your farm policy, you’ll receive an automatic 10% of your home’s coverage that applies to any outbuildings. However, those outbuildings can’t be used for any type of farming activity, and this really only applies to things like detached garages and sheds. Barns and any other outbuildings that are used for farming must be specifically listed on your policy. You can typically choose the amount of coverage you want on it, but typically only new barns in excellent condition will be eligible for replacement cost coverage.  
  • Crop coverage: Traditional crop insurance is not an option to add to your farm insurance policy, so you’ll need to buy crop insurance separately if you want to insure it. But you can typically add peak season storage of your crops to your farm insurance policy. Crop insurance may be limited in how long it covers your crops for, so you may want to add crop storage in addition to having crop insurance. 
  • Livestock coverage: You can choose to insure your livestock on either a blanket or a scheduled basis. Blanket coverage means that all of your livestock are covered under one limit, while scheduling lets you pick and choose which livestock you’d like to insure. Be sure to discuss the value of the livestock with your independent insurance agent, because livestock values can fluctuate considerably from year to year, which increases the risk that you’re not adequately insured. 
  • Farm equipment coverage: Similar to livestock coverage, your farming equipment is not automatically included when you buy a farm insurance policy, so you’ll need to add it. Your farm equipment could include anything from tractors and harvesters, to farm tools and drones. You can also choose whether you want to have blanket coverage or scheduled coverage. Blanket insurance is more expensive but lets you have more wiggle room in the value of each covered item. Whichever method you choose, you’ll need to provide an equipment list that shows each item you have and what its value is. Some items won’t need to be listed out, like low value miscellaneous tools that are worth a total of a few thousand dollars. 
  • Multi-peril crop insurance (MPCI): This program developed by the Federal Crop Insurance Corporation offers coverage for inescapable crop loss and covers nearly all available crops. The MPCI consists of various policies and coverage options that insure farmers and agriculture producers against a decrease in crop yield or a loss of crops due to natural disasters, weather events, and disease. It also protects you from revenue loss as a result of price changes in the commodity markets. You can choose products customized to your individual operations and needs or general policies that use county yields and prices.
  • Crop-hail insurance: While many crop-hail policies cover much more than hail, insurance professionals have kept the traditional name. Usually these policies also cover loss due to fire, during transit to storage, while in storage, and more. You can also add options for loss due to windstorms, freezing conditions, and other weather-related events.
  • Specialized peril: Many crop insurance companies also offer coverage for specifically defined perils excluded from an MPCI or crop-hail policy. These would include, but is not limited to, the following specialized policies.
    • Grain fire policy: Covers most crops against natural, manmade or lightning fire loss
    • Rainfall policy: Covers loss of crops, such as tomatoes and raisins, due to rainfall issues
    • Citrus freeze policy: Protects citrus growers against loss due to early freezes
    • Citrus business interruption policy: Covers citrus packers if their business is interrupted as a result of a freeze
    • Hay fire policy: Covers fire damage while hay is in stacks
    • Other specialized policies: Ask your insurance agent for coverages available in your state or region

Business

Many larger farms are called agribusinesses and operate similar to fully fledged businesses, and require similar insurance. Large commercial farms or agribusinesses may need at least some of the following insurance coverages. 

  • Business income: Business income or interruption insurance can be added to commercial agribusiness insurance policies to keep the money coming in if your farm has to temporarily shut down due to a covered loss. If you have a fire and have to halt your farming operations, business income will still give you money to pay the bills, pay employees, and continue operating while your building is repaired. 
  • Workers’ compensation: Unlike most state regulations that require standard businesses to carry workers’ compensation insurance, there aren’t many states that require farms or agribusinesses to have workers’ compensation. This leaves it up to the farmer to decide whether to have it, but it can provide valuable insurance coverage if a farm employee gets hurt on the job in a profession that does carry quite a bit of risk. 
  • Commercial auto: Any standard vehicles, such as a car or truck, will need to be insured on an auto insurance policy. If you’re hauling your grain or livestock, you're likely to need a commercial auto insurance policy to adequately cover these activities. Even if you just use your pickup truck occasionally on the farm, your insurance company may be able to rate it as a farm-use only vehicle, which typically has better rates. 
To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, 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, Mark Strickland,  Anne Gillam, Michael Scardino, Joey Eagle, Cody Barnes, Wendy Butler and Melinda Teaford at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520 or 2505 Pass Road, Biloxi MS 39531;  email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast. We have 2 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, Florida, Georgia, Tennessee, Texas 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 #savemoneyoninsurance

Tuesday, March 1, 2022

Builders Risk Insurance - Have the Right Coverage for Your Construction Project

Whether you’re building a new football stadium or a tiny storage shed, every construction project faces the same kinds of problems that can suspend operations. Finishing on time and under budget will keep you and your clients satisfied. Having the proper coverage every step of the way helps the job get done right.

It's important to get equipped with the right builders risk insurance before a project ever begins, and an independent insurance agent can help. Your builders risk insurance will be simple and easy to obtain with the help of a local trusted advisor, and will aid in the success of your project.  This article is compliments of Trusted Choice.

What Is Builders Risk Insurance? 

Builders risk insurance is a special form of property insurance designed to protect construction projects in progress. Coverage will reimburse to repair, replace or recover the current value of a construction project. This includes coverage for various common disasters such as fires, theft, labor costs and storms. 

As a builder or building owner, having the proper builders risk policy in place could save your project (and you) thousands of dollars in expenses. 

Builders risk coverage protects construction projects against the following perils:

  • Theft
  • Vandalism
  • Fire
  • Lightning
  • Hail
  • Explosions
  • Hurricanes

Builders risk insurance allows projects to be completed by their original deadline, and construction workers to have peace of mind knowing their materials are protected.

Types of Builders Risk insurance

Now that you have a brief overview of what builders risk insurance is designed to protect against, it's time for a larger breakdown of the many types of coverage commonly offered by this product:

  • Equipment breakdown: Protects property and equipment from mechanical breakdowns, as well as the explosion of steam boilers, and more.
  • Ordinance and lawProtects against increased rebuilding costs due to ordinances or laws that regulate construction of damaged structures due to covered losses. 
  • Identity restoration: Protects against identity theft of the business owner.
  • Building coverage: Protects the building under construction, and structures already completed for the project. Swimming pools, storage buildings, fences, retaining walls, and more are covered. Personal property used to maintain these areas is also covered.
  • Commercial general liability (CGL): Protects builders against lawsuits filed by third parties for claims of bodily injury or property damage, or advertising injury. CGL insurance is not always included in builders risk policies, so make sure to ask your independent insurance agent about getting coverage that provides this highly important protection.

An independent insurance agent can further explain the types of builders risk coverage and help you determine which options make the most sense for your needs.

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, 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, Mark Strickland,  Anne Gillam, Michael Scardino, Joey Eagle, Cody Barnes, Wendy Butler and Melinda Teaford at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520 or 2505 Pass Road, Biloxi MS 39531;  email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast. We have 2 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, Florida, Georgia, Tennessee, Texas 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 #savemoneyoninsurance

Tuesday, February 1, 2022

Collector Car Insurance - How to Insure Your Classic Car Investment

Your collector classic car is most likely one of your most prized possessions. You'll need the right insurance protection to make sure your car is covered, and your investment is safe.  Your local Trusted Choice Agent can help you protect your investment.  The following information is courtesy of Trusted Choice.

What Is Collector Car Insurance?

The main difference between traditional cars and collector cars is that collector cars often don't depreciate in value over time. The opposite is usually true. Collectors also often add customized parts to the vehicle, along with various improvements. Because of this, collector car insurance must be based on the "agreed value" of the vehicle at the time the policy is issued. 

The agreed value includes your entire investment in the car. Rates for collector car insurance are often cheaper than for traditional car insurance, since collectors often put more pride into the upkeep of their vehicles and drive them less than everyday cars. Traditional car insurance companies may not offer collector car insurance.

How Does Collector Car Insurance Work?

The key distinction between regular auto insurance and collector car insurance is agreed value coverage. You, the policyholder, and your insurance company must reach an agreement on the value of your collector car before your policy is written. An appraiser can help determine the value of your collector car, often between $10,000 to $100,000, or even more.

Once the agreed value is finalized, that becomes your coverage limit. Collector car insurance operates differently from traditional auto insurance because with the latter, insurance carriers tend to base your vehicle's estimated value by comparing it to similar models and how much their repairs often average. Insuring a collector car is similar to insuring a piece of artwork in terms of its perceived value.

Another benefit to collector car insurance is that the policy's payout doesn't decrease over time the way it does with traditional car insurance. The value of your collector car is likely to increase over time, rather than decrease like a "normal" car would. The coverage amount of your policy must be adjusted over the years to match the changing value of your collector car.

How Is the Agreed Value Determined?

The agreed value of your collector car will be decided by both you and the insurance company. You'll provide documentation like repair receipts, photos of your car, etc. for the insurance company to review to calculate your collector car's agreed value. 

Actual cash value, on the other hand, is calculated by a car's mileage, condition, age, and various other factors. The agreed value aspect of collector car insurance is what makes these policies key for collector car owners, because a traditional auto insurance policy will not include this. Agreed values in collector car insurance account for the time and money you have put into your prized collector car.

Benefits of Collector Car Insurance

When shopping for a collector car insurance policy, you'll be working with insurance companies and agents who are specially trained in insuring collector cars, vs. traditional vehicles. These independent insurance agents are well versed in the needs of collector car owners and how these special vehicles differ in value from everyday vehicles.

Collector car insurance comes with many important coverage options, like:

  • Auto show medical reimbursement: Covers you if someone gets injured at a car show featuring your classic car.
  • No attendance required: Covers your vehicle from numerous threats while you're away from it, like if it's being shown at a car event.
  • Increased replacement cost: Covers the difference if your collector car's value if it increases beyond its agreed value.
  • Spare parts coverage: Covers various types of incidents involving spare parts of your classic car, including theft and damage.
  • Roadside assistance: Covers the need for roadside assistance, such as towing in the event of a breakdown on the road.
  • Cash settlement option: An option to take the cash value of your collector car from your insurance company if your car gets lost or stolen. This cash settlement can be used however you like.

An independent insurance agent can explain even more benefits of having the right collector car insurance. 

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, Mark Strickland,  Anne Gillam, Michael Scardino, Joey Eagle, Cody Barnes, Wendy Butler and Melinda Teaford at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520 or 2505 Pass Road, Biloxi MS 39531;  email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast. We have 2 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, Florida, Georgia, Tennessee, Texas 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 #savemoneyoninsurance

Monday, January 17, 2022

Restaurant Insurance - How to Find the Best Coverage and Prociing

If cooking is your passion and you want to make money with a restaurantyou need an insurance policy that will cover every risk on the menu. Our independent insurance agents will search to find the right coverage to keep your business up and running. As a Trusted Choice agent, we work for you to provide the best coverages at the best rates, and we can assist you with managing the risks of owning a Restaurant.   Here are is some advice courtesy of Trusted Choice.

Why Do I Need Restaurant Insurance?

You could lose your stuff:
 Damage or loss of your property, equipment, and inventory.

You could be sued: A drunk-driving accident caused by an overserved customer.

You could make a mistake:
 Food poisoning caused by improper handling of ingredients.

What Does Restaurant Insurance Cover?

Property:
 This covers your business’s physical assets, from buildings to furnishings. It usually includes coverage for fire, natural disasters and theft.

Spoilage:
 This covers any inventory that spoils in a power outage or similar mishap.

General liability: This covers costs if someone is hurt in your restaurant, including food poisoning. (Check with your independent insurance agent to ensure that your policy doesn’t exclude communicable disease from coverage.)

Liquor liability: If you sell alcohol, this covers costs related to someone becoming intoxicated at your restaurant and hurting themselves or someone else

Workers compensation: This covers your employees’ medical treatment and lost wages if they get injured on the job.

Garagekeepers: If you have a valet service, this covers damage to customers’ cars that may result.

Boiler and machinery (equipment breakdown): This covers repair and replacement costs for your equipment under a wide variety of circumstances, including power surges and mechanical breakdowns.

How Much Does Restaurant Insurance Cost?

On average:

Small restaurants and food stands: A few thousand dollars per year. 

Large, high-end restaurants: Potentially over ten thousand dollars per year. 

Chain restaurants: Premiums can vary, but will cost the most due to sheer numbers.

Comparing Restaurant Insurance Quotes

Our agents will review your needs and help you evaluate the restaurant Insurance coverage that makes the most sense. They’ll also compare policies and quotes from multiple insurance companies to make sure you have the right protection in place. 

What's So Great About Independent Insurance Agents?

Independent insurance agents excel at matching the most appropriate policy to the business in need. Shopping around for insurance policies can be tricky, confusing, and time-consuming, and an independent insurance agent's role is to simplify the process for you, so you can spend time running your restaurant. 

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, Mark Strickland,  Anne Gillam, Michael Scardino, Joey Eagle, Cody Barnes, Wendy Butler and Melinda Teaford at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520 or 2505 Pass Road, Biloxi MS 39531;  email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast. We have 2 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, Florida, Georgia, Tennessee, Texas 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 #savemoneyoninsurance