Get Back to the Basics for Your Small Business Insurance

There are millions of small businesses thriving in the U.S., ranging from construction to grocery stores to home-based businesses.

Most entrepreneurs are risk takers and are willing to invest their resources into their business.  But, as we all know, things can go wrong. Weather damage or damage caused by another person such as crime, theft or vandalism, a personal injury lawsuit, a computer virus or cyber attack, fire loss, equipment breakdown, supply chain problems, death or illness of a key employee,and more.

Most businesses need to purchase at least the following four types of insurance:

• Property Insurance – protection may be needed for a building or storage location, and you definitely want to protect your merchandise and business equipment.  You may also want to consider Business Interruption Income coverage that would help pay your expenses following damage to your business property

• Liability Insurance  - anyone can sue you for any reason.  A good liability policy will provide you with legal defense for a mistake or accidental damage. A regular liability policy will not cover “your work”, so you will also want to consider adding professional liability coverage if you build or design or manufacture items as part of your business.
• Business Vehicle Insurance  - different coverage is available whether you own, rent or lease; or drive personal vehicles for your business. Be sure you are covered correctly.  A regular personal auto insurance policy does not protect your business use nor for making deliveries.  You will need to add coverage or may need to purchase a separate insurance policy.
• Workers Compensation Insurance – as an employer, you are legally obligated to ensure a safe workplace and provide medical care for your staff that may be injured or become ill due while working.  You will be responsible for the employee if they are injured on the job for the rest of their life, so workers comp insurance is a very valuable coverage, even when it is not mandated based on the size of your business.

For an In-Home business the right choice will depend on the nature of your business, the annual revenue, and the amount of coverage required.  Options for protection include:

• Endorsement to Your Homeowners Policy

• In-Home Business Insurance Policy

• Businessowners Policy (BOP)

Meet with an insurance professional to determine the risks and proper coverages to protect you and your business, no matter how big or small!

Angelyn Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and licensed Trusted Choice Insurance Agent.  Reach Angelyn at www.southgroupgulfcoast.com, (228) 385-1177,  azeringue@southgroup.net.

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 http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino, Tiffany Nguyen, Alexa Weldon, Denise Pickers 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: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! 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 Alabama - District of Columbia - Florida -Georgia - Indiana - Kentucky - Louisiana - Michigan - Mississippi - Missouri - North Carolina - Ohio - Pennsylvania - South Carolina - Tennessee - Texas – Virginia.  We specialize in coastal exposures.
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