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Monday, November 13, 2023

Smart Insurance Considerations for Your Business


If you are starting a new business or expanding, it is good idea to review your risks and exposures.  Some risks, such as theft, you can address with a good security system, but acts of nature may be out of your control and are best covered with insurance.

Act of Nature Exposures:

Property Insurance provides building, and business personal property protection.  This includes office equipment, computers, inventory or tools and pays claims for fire, vandalism, theft, smoke damage etc.  You may also want to consider business interruption/loss of earnings insurance coverage to protect your earnings if the business is unable to operate.  Commercial Auto Insurance protects a company’s vehicles and any vehicles that carry employees, products or equipment.

Human Exposures:

General Liability Insurance provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.  Worker's Compensation coverage provides wage replacement and medical benefits payments to employees who are injured on the job. Professional Liability Insurance offers defense and damages for failure to or improperly render professional services.  This protection is critical for any professionals such as lawyers, accountants, consultants, agents, and any profession providing services. Directors and Officers Insurance covers the directors and officers of a company against their actions that may affect the profitability or operations of the company. Umbrella Insurance extends an already existing insurance policy and covers beyond the regular policies. Employee Benefits are ancillary coverages that provide benefits for your working staff and their families.  There are many options: Health, dental, vision, cancer, accident, disability, and life insurance for your team.

External Exposures:

Data Breach Coverage/Cyber Liability provides protection in the event of data loss of sensitive or non-public information and all of the compliance requirements and legal action necessary following a breach.  With all of the spam and phishing schemes prevalent today, this coverage protects you and your customers.

A less costly insurance option when you are starting out may be a Business Owner's Policy (BOP).  Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance- and you can tailor it to your specific needs.

Be aware that coverage for your business will not protect your personal use, and your personal policies will not protect business use, so consult your agent to be sure you are properly protected.

Angelyn Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and licensed Trusted Choice Insurance Agent.  Reach Angelyn at, (228) 385-1177, or

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 , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn, Alex Treutel,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino,Alexa Weldon,  and Brittany Eagle at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email:, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook , or Twitter ! We now have more 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, and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
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