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Thursday, April 4, 2024

Protect Your Business with Risk Management and the Right Insurance

A successful business requires a leader with an entrepreneurial spirit.  Operating your business each day demands attention to your competition, the economy, legal exposure, compliance requirements, weather catastrophes, personnel issues and more. Your business is unique, and you must review each area of exposure so you understand how to manage your worst case scenario. 

As an example, a retail shop needs a strategy in place to protect property from crime and weather events and needs to reduce liability exposure for injuries on the premises or while traveling.  But a contractor must also be concerned with equipment breakdown, OSHA requirements, personnel safety, and quality of work.  Restaurants need to worry about food preparation and client experience.  Most industries now must address the impacts of cyber liability.  Many exposures can be reduced or mitigated by planning ahead and by providing an insurance backstop for the largest exposures of property loss or lawsuits for injuries or other legal actions.

  • General liability insurance covers third-party claims for injuries to other people. This coverage does not insure “your work”.
  • Commercial property insurance covers loss or damage to your business property due to fires, storms, or other causes.
  • Commercial vehicle insurance covers commercial vehicles and drivers for collision, liability, property damage, personal injury, and comprehensive coverage.
  • Workers' compensation covers your employees if they get ill or injured while working on the job.
  • Professional liability and malpractice insurance protects against loss due to negligence, wrongful acts, “your work” or advice that leads to another person’s loss or injury.

By implementing strong risk management strategies, your business will be more attractive to the insurance industry.  This leads to more options for your coverages and lower rates.  Most insurance carriers provide inspection and risk assessment services that will keep you better protected. Some insurance increases may be inevitable due to the global nature of pricing, but by keeping your business the best it can be, you will always benefit from the best available pricing on your insurance. 

As you grow your business, your risk exposure changes.  You may have increased assets, inventory, operations or staff.  Be sure you adjust your Risk Management Plan and your insurance coverages accordingly to ensure 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

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 convenient locations!

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

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