tag:blogger.com,1999:blog-37992858508398662162024-03-12T19:40:10.065-05:00SouthGroup Gulf Coast - Your Trusted ChoiceInsurance and useful information for the online consumerAngelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.comBlogger271125tag:blogger.com,1999:blog-3799285850839866216.post-29288873053400955402024-03-04T07:30:00.007-06:002024-03-04T07:30:00.346-06:00PROPERTY MAINTENANCE CAN HELP YOU SAVE ON YOUR INSURANCE!<p> Having your property well maintained will help you save
money on your insurance. Many new
companies are now in our coastal area and offer better pricing, but the
companies are very strict on the homes they will insure. Many insurance
companies will send an insurance inspector or require a self-inspection where
you send in pictures of specific areas of your home to document the condition
and any problems areas. This helps in
the event of a claim because the current condition is documented, and the
company may more easily determine the extent of the damage, since they will
have a before and after audit file. This
also assists with risk management to possibly avoid insurance claims.</p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Insurance companies desire property which is free from
liability hazards.<span style="mso-spacerun: yes;"> </span>A liability hazard is
“an accident waiting to happen”.<span style="mso-spacerun: yes;"> </span>You
will find insurance companies asking more questions about your pets and any
history of biting. A swimming pool without proper fencing or not in proper
working order could allow for injuries.<span style="mso-spacerun: yes;">
</span>Likewise, if you allow excessive debris to pile up, this could attract
rodents or become a fire hazard.<span style="mso-spacerun: yes;">
</span>Lawsuits abound from accidents occurring from a trampoline, so many
companies do not allow them at all.<span style="mso-spacerun: yes;"> </span>Your
property should not have any existing damage or condition issues on the
exterior or interior, decks and porches.<span style="mso-spacerun: yes;">
</span>Any dry rot or plumbing leaks lead to more damage. Mold or algae on
siding is unsightly and should be pressure-washed off.<span style="mso-spacerun: yes;"> </span>Clogged gutters cause extensive home damage,
so get those cleared annually.<o:p></o:p></p>
<p class="MsoNormal">In our area with the high probability of severe winds, many
companies require tree limbs within 3 feet of the home or large trees close to
the home be cut back for the protection of the structure.<span style="mso-spacerun: yes;"> </span>Excessive foliage growth and overgrown shrubs
around the home should be periodically trimmed back so the insurance companies
can visibly see that you care about your property and its condition and
appearance..<span style="mso-spacerun: yes;"> </span>Most companies require the
crawl space under a home to be enclosed with lattice or some other material to
prevent debris from accumulating under the home which could become a fire
exposure.<span style="mso-spacerun: yes;"> </span>So many people fall off of
stairs leading to lawsuits, that if you have more than 3 stairs leading to your
property entry, the insurance company will require a handrail be installed to
reduce the risk.<o:p></o:p></p>
<p class="MsoNormal">Many insurance discounts are available if you have installed
wind or flood mitigation on your property.<span style="mso-spacerun: yes;">
</span>Be sure you provide pictures of a new roof, impact glass, or working
shutters to your insurance agent for any available discounts.<span style="mso-spacerun: yes;"> </span>Tankless water heaters result in fewer water
overflows, and your insurance company may offer a discount. Contact your
insurance agent to discuss other ways to protect your property.<o:p></o:p></p>
<p class="MsoNormal"><span style="color: black; font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">Angelyn Treutel
Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and
licensed Trusted Choice Insurance Agent. Reach </span><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">Angelyn at </span><a href="http://www.southgroupgulfcoast.com/"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">www.southgroupgulfcoast.com</span></a><span class="MsoHyperlink"><span style="color: windowtext; font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic; text-decoration: none; text-underline: none;">,</span></span><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">
(228) 385-1177, or </span><a href="mailto:azeringue@southgroup.net"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">azeringue@southgroup.net</span></a><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;"><span style="background-color: white; color: #222222; font-size: 12pt; line-height: 17.12px;">Your </span><span style="background-color: white; color: #222222; font-size: 12pt; line-height: 17.12px;"><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;" target="_blank">Trusted Choice</a> Insurance Agent, <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;" target="_blank">SouthGroup Insurance Gulf Coast</a> 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!<span style="color: black;"><br /><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">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 </span><span style="color: black;"><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">http://www.southgroupgulfcoast.com/</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> , 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: </span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #249fa3;">info@southgroupgulfcoast.com</span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">, phone or text:</span><span style="color: black;"><a href="stcall://912284664498/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">228-466-4498 or 228-385-1177</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">, fax:</span><span style="color: black;"><a href="stcall://918884158922/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">888-415-8922</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">, FaceBook </span><span style="color: black;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">www.facebook.com/southgroup.gulfcoast</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> , or Twitter </span><span style="color: black;"><a href="http://www.twitter.com/atreutel" style="color: #249fa3; text-decoration-line: none;"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">www.twitter.com/atreutel</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span><span style="color: black;"><br /><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">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…</span><span style="color: black;"><br /><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.</span><span style="color: black;"><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><span style="color: black;"><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">#trustedchoice #southgroup</span><span style="color: black;"><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></span></span></p>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-58273591271918992792024-02-05T07:30:00.001-06:002024-02-05T07:30:00.142-06:00<p> Almost anywhere it rains, it can flood. I often hear people
say that it could never flood where they are, and I have learned to never say
never. Areas that never flooded before
have been flooding due to nearby developments or natural/man-made changes in the
geographic area. Even if you live in an area of that you think isn’t at risk,
preparation is just as critical as with other types of exposures.</p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Flood damage is typically not covered by your business
property insurance, homeowners or renters insurance. There are specialized
flood insurance programs offered by FEMA and many private companies to assist
with repairs and replacing your structure or contents due to damage caused by
rising water.<span style="mso-spacerun: yes;"> </span>Depending on your
proximity to a water source such as a river or tidal waters, your rate could be
high unless you mitigate the possibility of damage.<span style="mso-spacerun: yes;"> </span><o:p></o:p></p>
<p class="MsoNormal">When you allow water to pass through the foundation or
ground floor by the use of venting, you reduce the possibility of structural
damage by relieving hydrostatic water pressure.<span style="mso-spacerun: yes;">
</span>Elevated structures and elevated home equipment, such as air
conditioners and generators, are more protected from rising water. Land
grading, storm drains, and cleared gutters help to divert water from around
your structure.<o:p></o:p></p>
<p class="MsoNormal">Flooding will cause emotional stress along with physical
hazards, so be mindful of the well-being of you and your family during the
aftermath. Floodwater is often contaminated by oil, gasoline or sewage, not to
mention displaced animals, so avoid contact as much as possible.<span style="mso-spacerun: yes;"> </span>Make sure your city’s water supply is safe to
drink.<span style="mso-spacerun: yes;"> </span>Boil-orders may be issued.<o:p></o:p></p>
<p class="MsoNormal">If you don’t have flood insurance, contact a local insurance
agent to obtain it, as there are waiting periods before coverage becomes
effective. Be sure to plan ahead, and never let your insurance coverage
lapse.<span style="mso-spacerun: yes;"> </span>There are penalties for losing
your coverage, and your rate could increase by thousands per year to replace
the coverage. Yesterday, I assisted someone who had lost their coverage and
they had been paying $900, and now the rate is over $3000 for the same coverage
level.<span style="mso-spacerun: yes;"> </span>The flood insurance premium is
based on your specific property including the distance from a body of water,
the type and frequency of historical flooding in your area, the elevation of
the lowest floor of your structure, and the estimated replacement cost of your building.<span style="mso-spacerun: yes;"> </span>Each building needs to be insured separately
in most cases.<o:p></o:p></p>
<p class="MsoNormal">Flooding is one of the most common hazards in the U.S. Being
prepared for any emergency is crucial for the safety of you and your family.
Don’t be caught off guard!<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span face=""Arial",sans-serif" style="color: black; font-size: 12pt; line-height: 107%; mso-bidi-font-style: italic;">Angelyn Treutel
Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and
licensed Trusted Choice Insurance Agent. Reach </span><span face=""Arial",sans-serif" style="font-size: 12pt; line-height: 107%; mso-bidi-font-style: italic;">Angelyn at </span><a href="http://www.southgroupgulfcoast.com/"><span face=""Arial",sans-serif" style="font-size: 12pt; line-height: 107%; mso-bidi-font-style: italic;">www.southgroupgulfcoast.com</span></a><span class="MsoHyperlink"><span color="windowtext" face=""Arial",sans-serif" style="font-size: 12pt; line-height: 107%; mso-bidi-font-style: italic; text-decoration: none; text-underline: none;">,</span></span><span face=""Arial",sans-serif" style="font-size: 12pt; line-height: 107%; mso-bidi-font-style: italic;">
(228) 385-1177, or </span><a href="mailto:azeringue@southgroup.net"><span face=""Arial",sans-serif" style="font-size: 12pt; line-height: 107%; mso-bidi-font-style: italic;">azeringue@southgroup.net</span></a><span face=""Arial",sans-serif" style="font-size: 12pt; line-height: 107%; mso-bidi-font-style: italic;">.<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p><span style="background-color: white; color: #222222; font-family: Arial, sans-serif; font-size: 12pt; line-height: 17.12px;">Your </span><span style="background-color: white; color: #222222; font-family: Arial, sans-serif; font-size: 12pt; line-height: 17.12px;"><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;" target="_blank">Trusted Choice</a> Insurance Agent, <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;" target="_blank">SouthGroup Insurance Gulf Coast</a> 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!</span></p><span style="background-color: white; color: #222222; font-family: Arial, sans-serif; font-size: 12pt; line-height: 17.12px;"><span style="color: black;"><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">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 </span><span style="color: black;"><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">http://www.southgroupgulfcoast.com/</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> , 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: </span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #249fa3;">info@southgroupgulfcoast.com</span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">, phone or text:</span><span style="color: black;"><a href="stcall://912284664498/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">228-466-4498 or 228-385-1177</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">, fax:</span><span style="color: black;"><a href="stcall://918884158922/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">888-415-8922</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">, FaceBook </span><span style="color: black;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">www.facebook.com/southgroup.gulfcoast</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> , or Twitter </span><span style="color: black;"><a href="http://www.twitter.com/atreutel" style="color: #249fa3; text-decoration-line: none;"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">www.twitter.com/atreutel</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span><span style="color: black;"><br /><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">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…</span><span style="color: black;"><br /><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.</span><span style="color: black;"><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><span style="color: black;"><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">#trustedchoice #southgroup</span><span style="color: black;"><br /></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></span>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-6040498618810659782024-01-04T07:00:00.001-06:002024-01-04T07:00:00.144-06:00Top 5 Things To Know About Your Business Insurance <p> <span style="font-family: Arial, sans-serif; font-size: 12pt;">Having the right insurance in place is a key to your
company's success. It helps protect your profits by protecting you from sudden,
catastrophic expenses, like after a natural disaster or a major lawsuit.</span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">#5 What is a Business Owner’s Policy?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">A business owner’s policy or “BOP” is insurance coverage
designed specifically for small or medium-sized businesses. A BOP combines
several types of insurance coverage in a packaged format, and can be customized
to suit a particular business. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">#4 Does Insurance Cover Lawsuits Brought Against Your
Business?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Business insurance will cover legal expense from lawsuit up
to your liability insurance policy limit.<span style="mso-spacerun: yes;">
</span>To be sure that enough liability coverage is in place for extreme
circumstances lover $1 million in damages, many businesses buy a commercial
umbrella liability policy. Certain liability exclusions also apply, such as if
an injury or damage was expected, or was caused intentionally. Most policies
also have something called a “workmanship” exclusion, and some exclude coverage
of punitive damages, so you may need Errors & Omission Coverage for “your
work”.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">#3 What Types of Business Insurance Do I Need For My
Business?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Each Business is different and depending on your
operations, you may be legally obligated to carry certain coverages.<span style="mso-spacerun: yes;"> </span>In addition, the following types of business
insurance should be considered essential:<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: .5in;"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">General liability: Coverage
against accidents, injuries and negligence <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: .5in;"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Product liability: Coverage
against product defects<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: .5in;"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Professional liability: Covers
professionals against malpractice, negligence or errors<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: .5in;"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Commercial property: Covers
damage to your business property, such as fire or a severe storm<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: .5in;"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Business interruption:
Protects your business if you are no longer able to conduct your operations
because of a loss<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: .5in;"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Home-based business: Covers
general and/or professional liability.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">#2 Is Business Insurance Tax Deductible?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Business insurance is tax deductible, as long as the
coverage is for the purpose of operating a business, profession, or a trade. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">#1 How Does Business Insurance Work?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Business insurance is a contract between an insurance
company and a business. The insurance company agrees to share the risk with the
business entity in exchange for premium payments. In the event of a covered
loss, the insurance company pays for the financial losses the business incurs
up to the limit of the policy after the deductible amount is paid by the
business filing a claim.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;"><o:p> </o:p></span><span style="font-family: Arial, sans-serif; font-size: 12pt;">At the time of a loss, the business will file a claim, and
an adjuster will assess the damage and process the claim settlement based on
the terms of the policy contract.</span></p>
<p class="MsoNormal"><span style="color: black; font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">Angelyn Treutel
Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and
licensed Trusted Choice Insurance Agent. Reach </span><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">Angelyn at </span><a href="http://www.southgroupgulfcoast.com/"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">www.southgroupgulfcoast.com</span></a><span class="MsoHyperlink"><span style="color: windowtext; font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic; text-decoration: none; text-underline: none;">,</span></span><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">
(228) 385-1177, or </span><a href="mailto:azeringue@southgroup.net"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">azeringue@southgroup.net</span></a><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-style: italic;">.<o:p></o:p></span></p>
<span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">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 </span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;"> , 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: </span><span style="background: white; color: #249fa3; font-family: Arial, sans-serif; font-size: 16px;">info@southgroupgulfcoast.com</span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">, phone or text:</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><a href="stcall://912284664498/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">228-466-4498 or 228-385-1177</span></a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">, fax:</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><a href="stcall://918884158922/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">888-415-8922</span></a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">, FaceBook </span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;"> , or Twitter </span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><a href="http://www.twitter.com/atreutel" style="color: #249fa3; text-decoration-line: none;">www.twitter.com/atreutel</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;"> ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><br /><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">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…</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><br /><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">#trustedchoice #southgroup</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 16px;"><br /></span><p class="MsoNormal"><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;"><o:p><span style="background-color: white; color: #222222;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span> </o:p></span></p>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-71858698494879595612023-12-04T06:00:00.005-06:002023-12-04T06:00:00.140-06:00Ho Ho Ho – How December Can Impact Your Insurance<p>Tis
the season for gifts and family celebrations – bonfires and feasts! In between all the festivities, please keep
the following in mind:</p>
<p style="margin: 0in;"><br /></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">December
is National Drunk and Drugged Driving Prevention Month (www.samhsa.gov). If you
are impaired while celebrating, don’t get behind the wheel to drive.<span style="mso-spacerun: yes;"> </span>An automobile crash is costly because you
will have higher insurance cost, you will be inconvenienced while your auto is
being repaired, and even worse, someone could be hurt or killed.<span style="mso-spacerun: yes;"> </span>Use a Designated Driver or an Uber to get you
safely to your destination.<o:p></o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;"><o:p> </o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">Prevent
Blindness America has declared December as Safe Toys and Gifts Awareness
Month.<span style="mso-spacerun: yes;"> </span>Your health insurance may require
that you first pay a deductible for treatment, and you will waste hours of your
precious holiday sitting in an emergency room if a child or family member is
injured by an unsafe toy.<span style="mso-spacerun: yes;"> </span>Balloons can
choke or suffocate a child so discard any burst balloons right away.<span style="mso-spacerun: yes;"> </span>Toys with small parts could cause choking for
young children.<span style="mso-spacerun: yes;"> </span>Be sure to review the
age appropriateness of the gifts.<span style="mso-spacerun: yes;"> </span>Riding
toys such as bikes and skates can result in falls with concussions, abrasions
and worse.<span style="mso-spacerun: yes;"> </span>Ensure that proper safety
helmets and other gear is worn.<span style="mso-spacerun: yes;">
</span>Discarded wrapping paper, boxes, and plastic should be disposed right
away.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;"><o:p> </o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">Expensive
gifts may require that you alert your insurance agent so you are properly
covered.<span style="mso-spacerun: yes;"> </span>Beautiful jewelry or art,
vehicles, ATV’s and more require insurance protection for their value and any
liability exposure.<span style="mso-spacerun: yes;"> </span>An appraisal or
invoice may be required to add fine art or jewelry to your policy, and stand
alone coverage may also be available.<o:p></o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;"><o:p> </o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">With
all the great parties and plentiful foods, be certain to keep up your exercise
routine and medications, so you do not have to use your health insurance due to
illness.<span style="mso-spacerun: yes;"> </span>Large events that you may host
at your home or business with adult beverages served may increase your
liability exposure, so for a large event, you should consider Event Insurance
for your protection.<o:p></o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;"><o:p> </o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">December
brings colder weather in most areas and also brings dangers to your home and
business with possible burst water pipes and for your auto with freezing ice or
roads. There are more home fires during December, from kitchen fires due to
more cooking, to holiday decorations catching fire, or candle fires, fireplace
issues, or brittle Christmas trees. Take precautions to avoid having to file
insurance claims.<span style="mso-spacerun: yes;"> </span>Confirm that your
smoke alarms are functioning and that you have your escape plan in place and that
all family members know what to do.<o:p></o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;"><o:p> </o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">Be
safe and enjoy your holidays!<span style="mso-spacerun: yes;"> </span>Merry
Christmas!<o:p></o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;"><o:p> </o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">Angelyn
Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM,
CBIA, and a licensed Trusted Choice Insurance Agent. Reach </span><span style="mso-bidi-font-style: italic;">Angelyn at </span><a href="http://www.southgroupgulfcoast.com/"><span style="mso-bidi-font-style: italic;">www.southgroupgulfcoast.com</span></a><span class="MsoHyperlink"><span style="color: windowtext; mso-bidi-font-style: italic; text-decoration: none; text-underline: none;">,</span></span><span style="mso-bidi-font-style: italic;">
(228) 385-1177, or </span><a href="mailto:azeringue@southgroup.net"><span style="mso-bidi-font-style: italic;">azeringue@southgroup.net</span></a><span style="mso-bidi-font-style: italic;">.<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p><span style="background: white; color: #222222; font-family: Arial, sans-serif;">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 </span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;"> , 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: </span><span style="background: white; color: #249fa3; font-family: Arial, sans-serif;">info@southgroupgulfcoast.com</span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">, phone or text:</span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="stcall://912284664498/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">228-466-4498 or 228-385-1177</span></a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">, fax:</span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="stcall://918884158922/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">888-415-8922</span></a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">, FaceBook </span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;"> , or Twitter </span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="http://www.twitter.com/atreutel" style="color: #249fa3; text-decoration-line: none;">www.twitter.com/atreutel</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;"> ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span></p><span style="background-color: white; font-family: Arial, sans-serif;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">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…</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">#trustedchoice #southgroup</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-88153390849012404092023-11-13T15:17:00.010-06:002023-11-13T15:17:00.133-06:00Smart Insurance Considerations for Your Business<p> </p><p>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.</p>
<p><b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-bidi-font-style: italic;">Act of Nature Exposures:<o:p></o:p></span></b></p>
<p><b style="mso-bidi-font-weight: normal;"><u><span style="color: black; mso-bidi-font-style: italic;">Property Insurance</span></u></b><span style="color: black; mso-bidi-font-style: italic;"> provides building, and business
personal property protection.<span style="mso-spacerun: yes;"> </span>This includes
office equipment, computers, inventory or tools and pays claims for fire,
vandalism, theft, smoke damage etc.<span style="mso-spacerun: yes;"> </span>You
may also want to consider business interruption/loss of earnings insurance
coverage to protect your earnings if the business is unable to operate.<span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;"><u>Commercial
Auto Insurance </u></b>protects a company’s vehicles and any vehicles that
carry employees, products or equipment.<o:p></o:p></span></p>
<p><b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-bidi-font-style: italic;">Human Exposures:<o:p></o:p></span></b></p>
<p><b style="mso-bidi-font-weight: normal;"><u><span style="color: black; mso-bidi-font-style: italic;">General Liability Insurance</span></u></b><span style="color: black; mso-bidi-font-style: italic;"> 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.<span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;"><u>Worker's
Compensation</u></b> coverage provides wage replacement and medical benefits
payments to employees who are injured on the job. <b style="mso-bidi-font-weight: normal;"><u>Professional Liability Insurance</u></b> offers defense and damages
for failure to or improperly render professional services.<span style="mso-spacerun: yes;"> </span>This protection is critical for any
professionals such as lawyers, accountants, consultants, agents, and any
profession providing services. <b style="mso-bidi-font-weight: normal;"><u>Directors
and Officers Insurance</u></b> covers the directors and officers of a company
against their actions that may affect the profitability or operations of the
company. <b style="mso-bidi-font-weight: normal;"><u>Umbrella Insurance</u></b> extends
an already existing insurance policy and covers beyond the regular policies. <b style="mso-bidi-font-weight: normal;"><u>Employee Benefits</u></b> are ancillary
coverages that provide benefits for your working staff and their families.<span style="mso-spacerun: yes;"> </span>There are many options: Health, dental,
vision, cancer, accident, disability, and life insurance for your team.<o:p></o:p></span></p>
<p><b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-bidi-font-style: italic;">External Exposures:<o:p></o:p></span></b></p>
<p><b style="mso-bidi-font-weight: normal;"><u><span style="color: black; mso-bidi-font-style: italic;">Data Breach Coverage/Cyber Liability </span></u></b><span style="color: black; mso-bidi-font-style: italic;">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.<span style="mso-spacerun: yes;"> </span>With all of the spam and phishing schemes
prevalent today, this coverage protects you and your customers. <o:p></o:p></span></p>
<p><span style="color: black; mso-bidi-font-style: italic;">A less costly insurance
option when you are starting out may be a Business Owner's Policy (BOP). <span style="mso-spacerun: yes;"> </span>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.<o:p></o:p></span></p>
<p><span style="color: black; mso-bidi-font-style: italic;">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.<o:p></o:p></span></p>
<p style="margin: 0in;"><span style="color: black; mso-bidi-font-style: italic;">Angelyn
Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM,
CBIA, and licensed Trusted Choice Insurance Agent. Reach </span><span style="mso-bidi-font-style: italic;">Angelyn at </span><a href="http://www.southgroupgulfcoast.com/"><span style="mso-bidi-font-style: italic;">www.southgroupgulfcoast.com</span></a><span class="MsoHyperlink"><span style="color: windowtext; mso-bidi-font-style: italic; text-decoration: none; text-underline: none;">,</span></span><span style="mso-bidi-font-style: italic;">
(228) 385-1177, or </span><a href="mailto:azeringue@southgroup.net"><span style="mso-bidi-font-style: italic;">azeringue@southgroup.net</span></a><span style="mso-bidi-font-style: italic;">.<o:p></o:p></span></p><p style="margin: 0in;"><span style="mso-bidi-font-style: italic;"><br /></span></p><p style="margin: 0in;"><span style="background: white; color: #222222; font-family: Arial, sans-serif;">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 </span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;"> , 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: </span><span style="background: white; color: #249fa3; font-family: Arial, sans-serif;">info@southgroupgulfcoast.com</span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">, phone or text:</span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="stcall://912284664498/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">228-466-4498 or 228-385-1177</span></a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">, fax:</span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="stcall://918884158922/" style="color: #249fa3; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #ff6600;">888-415-8922</span></a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">, FaceBook </span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;"> , or Twitter </span><span style="background-color: white; font-family: Arial, sans-serif;"><a href="http://www.twitter.com/atreutel" style="color: #249fa3; text-decoration-line: none;">www.twitter.com/atreutel</a></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;"> ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">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…</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">#trustedchoice #southgroup</span><span style="background-color: white; font-family: Arial, sans-serif;"><br /></span><span style="background: white; color: #222222; font-family: Arial, sans-serif;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></p>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-16112297928002677192023-06-01T08:03:00.001-05:002023-06-01T08:03:00.150-05:00Auto Insurance 101 - Key Concepts You Need to Know<p> T<span style="color: #030303; font-family: Arial, sans-serif; font-size: 12pt;">here are several coverages included in </span><u><span style="color: #0077b8; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">auto
insurance</span></u><span style="color: #030303; font-family: Arial, sans-serif; font-size: 12pt;">, each of which covers a different aspect of your risk as a
driver. Here is a brief overview of the most common coverages:</span></p>
<ul type="disc">
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Liability:</span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"> Liability coverage will pay for repairs, property damage, and
medical costs for injuries suffered by others in the vehicle, plus other
expenses related to an at-fault accident such as legal fees. <o:p></o:p></span></li>
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Collision:</span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"> If you hit another vehicle or an object, your collision
coverage will pay for to repair the damage to your vehicle after you pay a
deductible. <o:p></o:p></span></li>
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Comprehensive:</span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"> Also known as "other than
collision," this pays for losses to your vehicle if it suffers damage
from something other than an accident, such as a tree falling on your
vehicle.<o:p></o:p></span></li>
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Uninsured/underinsured motorist: </span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Pays for
injuries and property damage you suffer in an accident when the driver at
fault either is uninsured or does not have enough insurance to cover your
injuries and damage. <o:p></o:p></span></li>
</ul>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Additional coverages can be purchased to cover things like
medical expenses, rental vehicles, and roadside assistance. <o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;"><b><span style="color: #062974; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">How
Does Auto Insurance Work?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><u><span style="color: #0077b8; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Auto insurance</span></u><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"> helps you to
recover from damage, injuries, and expenses related to a collision or other
incident. When you purchase a policy, you'll have a deductible that must be
paid before benefits kick in. <o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">In the event of an accident, you would pay your deductible
and then receive financial coverage or reimbursement up to your policy limits.
Each type of coverage you purchase will have its own limits, and every state
has minimum limits that they require of drivers.<o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;"><b><span style="color: #062974; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Why Is
Auto Insurance Important?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Whether you're on the road or your vehicle is parked
outside your home, there's a risk of an accident that can result in damage for
you and your vehicle. Auto insurance provides a safety net when drivers make
mistakes or unexpected things happen.<o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">As a driver you're responsible for any injuries or damage
you cause to others when driving your vehicle. If you're in an accident with an
uninsured driver you'll be responsible for your own injury and damages as well.
These costs can add up, and the lower the amount of auto insurance coverage you
have, the more you have to pay out of pocket.<o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;"><b><span style="color: #062974; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Is
Auto Insurance Required?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Forty-seven states require vehicles to have some level of
insurance coverage before they can be on the road. Failure to have insurance
can mean a fine and/or jail time in these states, not to mention suspension or
revocation of your driver’s license. <o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">In most of these states, the minimum required coverage is
liability insurance to cover damage and injuries you may cause, though a
handful of states require additional coverage, such as collision and
comprehensive.<o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;"><b><span style="color: #062974; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">How
Expensive Is Auto Insurance?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">The national average cost for auto insurance is $1,311.
While rates vary from state to state and take into account a variety of
factors, car insurance is usually fairly affordable. <o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">The factors that affect your </span><u><span style="color: #0077b8; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">costs</span></u><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"> include
whether your vehicle is new or used, the overall safety rating of the car, your
driving record, your age and gender, and even your ZIP code, as certain areas
tend to have a higher occurrence of accidents and claims than others.<o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">The discounts you may qualify for include:<o:p></o:p></span></p>
<ul type="disc">
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Good student discount: </span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">This may apply<b> </b>if a
young driver in your family has good grades.<o:p></o:p></span></li>
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Good driver discount: </span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">This may apply if you’ve been
accident-free for a certain amount of time.<o:p></o:p></span></li>
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Multi-car discount:</span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"> This may apply if you
insure more than one of your vehicles with the same company.<o:p></o:p></span></li>
<li class="MsoNormal" style="background: white; color: #030303; line-height: normal; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Multi-policy discount: </span></b><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">This may apply when you insure
both your home and vehicle with the same company.<o:p></o:p></span></li>
</ul>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Your local agent can also talk with you about these
discounts and determine the ones that would benefit you and save you the most
money on your policy.<o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;"><b><span style="color: #062974; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">Is
Auto Insurance Tax Deductible?<o:p></o:p></span></b></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">If you are self-employed and use your personal vehicle for
business, you can take a tax deduction for your car insurance on the actual
mileage used for business travel. <o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="color: #030303; font-family: "Arial",sans-serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;">If you drive a vehicle 15,000 miles for business and 15,000
for personal use, your deduction will cover half of your overall use.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color: #222222; font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;">Your </span><span style="font-family: "Arial",sans-serif; font-size: 12.0pt; line-height: 107%;"><a href="http://www.southgroupgulfcoast.com/" style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; widows: 2; word-spacing: 0px;" target="_blank">Trusted Choice</a><span style="color: #222222;"> Insurance Agent, </span><a href="http://www.southgroupgulfcoast.com/" style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; widows: 2; word-spacing: 0px;" target="_blank">SouthGroup Insurance
Gulf Coast</a><span style="color: #222222;"> 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!</span><span style="color: black;"><br />
<br />
</span><span style="background: white; color: #222222;">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 </span><span style="color: black;"><a href="http://www.southgroupgulfcoast.com/" style="text-decoration-line: none;"><span style="background: white; color: #249fa3;">http://www.southgroupgulfcoast.com/</span></a></span><span style="background: white; color: #222222;"> , 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: </span><span style="background: white; color: #249fa3;">info@southgroupgulfcoast.com</span><span style="background: white; color: #222222;">, phone or text:</span><span style="color: black;"><a href="stcall://912284664498/" style="text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498"><span style="background: white; color: #ff6600;">228-466-4498
or 228-385-1177</span></a></span><span style="background: white; color: #222222;">,
fax:</span><span style="color: black;"><a href="stcall://918884158922/" style="text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922"><span style="background: white; color: #ff6600;">888-415-8922</span></a></span><span style="background: white; color: #222222;">, FaceBook </span><span style="color: black;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="text-decoration-line: none;"><span style="background: white; color: #249fa3;">www.facebook.com/southgroup.gulfcoast</span></a></span><span style="background: white; color: #222222;"> , or Twitter </span><span style="color: black;"><a href="http://www.twitter.com/atreutel" style="text-decoration-line: none;"><span style="background: white; color: #249fa3;">www.twitter.com/atreutel</span></a></span><span style="background: white; color: #222222;"> ! We now have more locations to
serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span><span style="color: black;"><br />
<br />
</span><span style="background: white; color: #222222;">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…</span><span style="color: black;"><br />
<br />
</span><span style="background: white; color: #222222;">We serve Mississippi,
Louisiana, Alabama, Florida, and many other states. We specialize in coastal
exposures.</span><span style="color: black;"><br />
</span><span style="background: white; color: #222222;">Insurance is stressful, but
we make saving easy. We help you save money on insurance!</span><span style="color: black;"><br />
</span><span style="background: white; color: #222222;">#trustedchoice #southgroup</span><span style="color: black;"><br />
</span><span style="background: white; color: #222222;">#southgroup
@stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive
#savemoney @atreutel</span><o:p></o:p></span></p>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-8102426051846648642023-05-01T07:44:00.005-05:002023-05-01T07:44:00.136-05:00Business Insurance 101 - Insurance Terms You Need to Know<p> <span style="font-family: arial; font-size: medium;">Blood,
sweat, and tears go into a new business startup. You have enough to worry
about with establishing your corporate structure, your accounting system, your
location, your office layout, your stock, your inventory, and more --- but you
also need to protect your investment -- and you need HELP!</span></p><p class="MsoNormal"><span style="font-family: arial; font-size: medium;"><span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">This is where a good Trusted Choice Insurance Adviser comes
in (</span><a href="http://www.southgroupgulfcoast.com/" style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; widows: 2; word-spacing: 0px;"><span style="line-height: 107%;">www.southgroupgulfcoast.com</span></a><span style="color: black; line-height: 107%;"><span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">). Your Independent Insurance Agent will
conduct a thorough Risk Assessment and will offer suggestions for mitigating or
eliminating your risks. If the risks cannot be eliminated, your Trusted
Adviser will provide you with options to insure your exposure.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">Forbes (www.forbes.com) provided a good outline of some
coverages you will want to consider for protecting your assets and your investment.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">1) 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</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">2) Property Insurance - provides building, and business </span></span><a href="http://thesba.com/the-sbauthority-insurance-agency/personal-insurance/" style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; widows: 2; word-spacing: 0px;"><span style="line-height: 107%;">personal</span></a><span style="color: black; line-height: 107%;"><span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;"> property, including office equipment,
computers, inventory or tools protection from 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.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">3) Business Owner's Policy - Often, </span></span><a href="http://www.forbes.com/sites/thesba/2012/01/19/13-types-of-insurance-a-small-business-owner-should-have/%5CUsers%5Chrazon%5CAppData%5CLocal%5CMicrosoft%5CWindows%5CTemporary%20Internet%20Files%5CContent.Outlook%5CPNT5LWT0%5CBOP%E2%80%99" style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; widows: 2; word-spacing: 0px;"><span style="line-height: 107%;">BOP’s</span></a><span style="color: black; line-height: 107%;"><span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;"> will include business interruption
insurance, property insurance, vehicle coverage, liability insurance, and crime
insurance- and you can tailor it to your specific needs.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">4) Commercial Auto Insurance - protects a company’s vehicles
and vehicles that carry employees, products or equipment.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">5) Worker's Compensation - provides wage replacement
and medical benefits payments to employees who are injured on the job.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">6) Professional Liability Insurance - provides defense
and damages for failure to or improperly rendering professional services, and
is critical for any professionals such as lawyers, accountants, consultants,
agents, and any profession providing services.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">7) Directors and Officers Insurance - protects </span></span><a href="http://www.thesba.com/the-sbauthority-insurance-agency/commercial-insurance/" style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; widows: 2; word-spacing: 0px;"><span style="line-height: 107%;">the directors and officers</span></a><span style="color: black; line-height: 107%;"><span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;"> of a company against their actions that
affect the profitability or operations of the company.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">8) Data Breach Coverage - 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.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">9) Homeowner's Insurance - protect against damage to your
home and against damage to items inside the home, and protects you for
accidents for which you are deemed personally liable.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">10) Renter's Insurance - protects against damage to the
physical property, contents of the property, and personal injury within the
rented dwelling.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">11) Life Insurance - provides funds to your family or
beneficiary in the event of your death.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">12) Personal Automobile Insurance - protects against both
physical damage and bodily injury resulting from a crash, and also any
liability that might rise from the collision.</span><br style="-webkit-text-stroke-width: 0px; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;" />
<span style="-webkit-text-stroke-width: 0px; float: none; font-variant-caps: normal; font-variant-ligatures: normal; orphans: 2; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; widows: 2; word-spacing: 0px;">13) Personal Umbrella Insurance - an extension to an
already existing insurance policy and covers beyond the regular policies.</span></span><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color: #222222; font-family: arial; font-size: large; line-height: 107%;">Your </span><a href="http://www.southgroupgulfcoast.com/" style="font-family: arial; font-size: large;" target="_blank"><span style="line-height: 107%;">Trusted Choice</span></a><span style="color: #222222; font-family: arial; font-size: large; line-height: 107%;"> Insurance Agent, </span><a href="http://www.southgroupgulfcoast.com/" style="font-family: arial; font-size: large;" target="_blank"><span style="line-height: 107%;">SouthGroup Insurance Gulf Coast</span></a><span style="color: #222222; font-family: arial; font-size: large; line-height: 107%;"> 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!</span></p><p class="MsoNormal"><span style="font-family: arial; font-size: medium;"><span style="background: white; color: #222222; line-height: 107%;">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 </span><span style="color: black; line-height: 107%;"><a href="http://www.southgroupgulfcoast.com/" style="text-decoration-line: none;"><span style="background: white; color: #249fa3; line-height: 107%;">http://www.southgroupgulfcoast.com/</span></a></span><span style="background: white; color: #222222; line-height: 107%;"> ,
SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Melissa Dunn, Alex
Treutel, Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino,
Melinda Teaford, Wendy Butler, 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: </span><span style="background: white; color: #249fa3; line-height: 107%;">info@southgroupgulfcoast.com</span><span style="background: white; color: #222222; line-height: 107%;">, phone or text:</span><span style="color: black; line-height: 107%;"><a href="stcall://912284664498/" style="text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498"><span style="background: white; color: #ff6600; line-height: 107%;">228-466-4498
or 228-385-1177</span></a></span><span style="background: white; color: #222222; line-height: 107%;">, fax:</span><span style="color: black; line-height: 107%;"><a href="stcall://918884158922/" style="text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922"><span style="background: white; color: #ff6600; line-height: 107%;">888-415-8922</span></a></span><span style="background: white; color: #222222; line-height: 107%;">,
FaceBook </span><span style="color: black; line-height: 107%;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="text-decoration-line: none;"><span style="background: white; color: #249fa3; line-height: 107%;">www.facebook.com/southgroup.gulfcoast</span></a></span><span style="background: white; color: #222222; line-height: 107%;"> ,
or Twitter </span><span style="color: black; line-height: 107%;"><a href="http://www.twitter.com/atreutel" style="text-decoration-line: none;"><span style="background: white; color: #249fa3; line-height: 107%;">www.twitter.com/atreutel</span></a></span><span style="background: white; color: #222222; line-height: 107%;"> !
We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy
90 Ste 6-Bay Saint Louis, MS.</span><span style="color: black; line-height: 107%;"><br />
<br />
</span><span style="background: white; color: #222222; line-height: 107%;">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…</span><span style="color: black; line-height: 107%;"><br />
<br />
</span><span style="background: white; color: #222222; line-height: 107%;">We serve Mississippi, Louisiana, Alabama, Florida, and many other
states. We specialize in coastal exposures.</span><span style="color: black; line-height: 107%;"><br />
</span><span style="background: white; color: #222222; line-height: 107%;">Insurance is stressful, but we make saving easy. We help you save
money on insurance!</span><span style="color: black; line-height: 107%;"><br />
</span><span style="background: white; color: #222222; line-height: 107%;">#trustedchoice #southgroup</span><span style="color: black; line-height: 107%;"><br />
</span><span style="background: white; color: #222222; line-height: 107%;">#southgroup @stateauto @libertymutual @TRV_insurance
@safecoinsurance @progressive #savemoney @atreutel</span></span><o:p></o:p></p>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-89600406124516373932023-04-01T07:37:00.002-05:002023-04-01T07:37:00.155-05:00Home Insurance 101 - Definitions You Need to Know<p>Have you ever wondered how your insurance company determines how it will reimburse you for homeowners insurance claims? What if you had a total loss? Would you be able to rebuild? The answers to these questions depend on the type of home insurance policy you have and whether the value of your home is based on its replacement cost or its actual cash value.</p><span face=""arial" , "helvetica" , sans-serif">Insurance companies provide coverage for your home and possessions based on either their <i>actual cash value</i> or their <i>replacement cost</i>. Actual cash value home insurance policies provide coverage for what your home is worth at the time of loss. Replacement cost policies will reimburse you for what it would cost to rebuild your home using all of the same materials at today’s prices.</span><br /><br /><span face=""arial" , "helvetica" , sans-serif">It is important to remember that your home’s replacement cost is not the same as its market value, or how much you could sell it for. A home’s replacement cost for insurance purposes is based on a number of variables that determine what it would cost to rebuild your home with similar materials at today’s costs. The variables that make up your home’s replacement cost will fluctuate over time, so the number is not set in stone. You will need to review your policy at least annually to make sure that your replacement cost figure is keeping up with the times.</span><br /><br /><span face=""arial" , "helvetica" , sans-serif">How should you determine your home’s proper replacement cost? Your insurance company will likely ask you a series of questions about your home and your responses will be plugged into a model that determines its replacement cost. Your job is to have some idea of whether or not the figure is accurate so you can be assured that your home is properly protected or that you are not over-insured. Consider talking to some home builders in your area as well as visiting some home improvement stores to help figure out what it would cost to replace your home’s interior and exterior finishes (including labor) at today’s prices. Together we can make sure that your home is properly insured and its replacement cost is accurate.</span><br /><br /><span face=""arial" , "helvetica" , sans-serif">Don’t forget to evaluate your personal property coverage as well. Personal property coverage in a homeowners insurance policy typically starts out at a percentage of your home’s dwelling coverage, but if you feel you need more coverage because of certain valuable items, don’t be afraid to increase your personal property coverage limit or add special riders or endorsements to protect your valuables. Preparing a home inventory is extremely helpful in determining if you have sufficient coverage for the contents of your home.</span><br /><br /><span face=""arial" , "helvetica" , sans-serif">Once you have settled on a replacement cost figure, remember that it will need to be re-evaluated every year to account for changes in building materials and labor as they fluctuate over time. We will work closely with you to determine the replacement cost of your home and belongings, and we can help you with auto insurance, personal umbrella insurance and any other personal insurance needs that you may have.</span><br /><br /><span face=""arial" , "helvetica" , sans-serif">Have you reviewed your </span><a href="http://southgroup.net/personal-insurance/home-insurance"><span face=""arial" , "helvetica" , sans-serif">homeowners insurance</span></a><span face=""arial" , "helvetica" , sans-serif"> policy lately? Are you satisfied that your replacement cost figure is accurate? Do you need to upgrade your actual cash value policy to a replacement cost policy?</span><br /><span face=""arial" , "helvetica" , sans-serif"><br />Home Insurance Policy - Terms Defined<br /><a href="http://www.rmiia.org/homeowners/Walking_Through_Your_Policy/Glossary.asp" target="_blank">http://www.rmiia.org/homeowners/Walking_Through_Your_Policy/Glossary.asp </a> </span><br /><table border="0" cellpadding="0" cellspacing="0" style="background-color: white; color: black; font-size: 1px; line-height: 0; width: 990px;"><tbody><tr><td class="content" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 17px; padding: 0px 30px 0px 10px;" valign="top" width="800"><div style="margin-bottom: 20px;"><span class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px;">Actual Cash Value</span></div><div style="margin-bottom: 20px;">The cost of repairing or replacing damaged property with property of the same kind and quality, less depreciation (i.e., in the same physical condition as the original property prior to damage).</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Additional Coverages</div><div style="margin-bottom: 20px;">Extra coverage that can be purchased to provide protection above and beyond that provided in the homeowners policy (e.g., a higher amount of coverage against the theft of jewelry). When such additional coverage is purchased, it becomes an Endorsement or Rider to the original policy.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;"><a href="https://www.blogger.com/u/1/null" id="additional_living_expense" name="additional_living_expense"></a>Additional Living Expense</div><div style="margin-bottom: 20px;">The part of homeowners insurance that provides reimbursement for motel rooms, meals and other expenses when loss of property by a covered peril forces you to maintain temporary residence elsewhere. Also called loss of use coverage.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Adjuster</div><div style="margin-bottom: 20px;">An insurance company representative who seeks to determine the extent of the insurer's liability for loss when a claim is submitted.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Agency</div><div style="margin-bottom: 20px;">An insurance sales office that is directed by a general agent, manager. independent agent or company manager.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Agent</div><div style="margin-bottom: 20px;">A person licensed by a state insurance department who solicits, negotiates or effects insurance contracts on behalf of one or more insurers.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Captive Agent</div><div style="margin-bottom: 20px;">An agent who sells insurance for one company.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Catastrophe</div><div style="margin-bottom: 20px;">To insurers, a catastrophe is a single incident, or series of related incidents, causing insured property losses totaling more than $25 million. Insurance actuaries calculate the probability of catastrophic loss on a state-by-state basis, using a formula based on the total number of catastrophes in each state over a 40-year period. This catastrophe factor, calculated annually, is included in the price of insurance.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Claim</div><div style="margin-bottom: 20px;">A demand made by an insured, or an insured's beneficiary, for payment of benefits provided by an insurance policy.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Condominium Owners Insurance</div><div style="margin-bottom: 20px;">Though similar in personal property and liability coverage to homeowners insurance, structurally the condo owner's policy is from the "walls in" and does not cover the building itself.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Coverage</div><div style="margin-bottom: 20px;">The scope of protection provided under an insurance contract.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Depreciation</div><div style="margin-bottom: 20px;">A decrease in the value of property over a period of time resulting from use, obsolescence or wear and tear.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Dwelling Policy</div><div style="margin-bottom: 20px;">Though similar in personal property and structural coverage to a homeowners policy, a dwelling policy excludes liability coverage.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Emergency Measures</div><div style="margin-bottom: 20px;">Those repairs or other actions taken to protect the insured and the insured's property from further loss when damaged or destroyed by a covered peril.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;"><a href="https://www.blogger.com/u/1/null" id="endorsement" name="endorsement"></a>Endorsement</div><div style="margin-bottom: 20px;">An attachment to an insurance policy that amends and alters the coverage provided in the policy. Also called a Rider.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Exclusion</div><div style="margin-bottom: 20px;">Specific situations, conditions or circumstances that are listed in the insurance policy as not being covered.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Floater</div><div style="margin-bottom: 20px;">Property insurance for items that are moved from location to location, covering losses wherever they occur. It is typically bought to cover jewelry, furs and other items whose full value may not be covered in standard homeowners policies.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Homeowners Insurance</div><div style="margin-bottom: 20px;">A "package" policy providing coverage against property and liability perils facing homeowners.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Independent Agent</div><div style="margin-bottom: 20px;">An agent who represents more than one insurer.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Insurance</div><div style="margin-bottom: 20px;">A formal device for reducing the chance of loss by transferring the risks of several individual entities to insurance companies.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Insurance Commissioner</div><div style="margin-bottom: 20px;">The head of a state's insurance regulatory agency. Also known as the Director or the Superintendent in some states.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Insurance Fraud</div><div style="margin-bottom: 20px;">Intentional lying or concealment by policyholders to obtain payment of an insurance claim that would otherwise not be paid.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Insured</div><div style="margin-bottom: 20px;">The party covered by an insurance arrangement, to whom an insurer agrees to indemnify for losses, provide benefits or render services.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;"><a href="https://www.blogger.com/u/1/null" id="liability" name="liability"></a>Liability</div><div style="margin-bottom: 20px;">Individual responsibility for causing, through negligence, injury to another person or damage to another person's property. Also called Personal Liability.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Liability Insurance</div><div style="margin-bottom: 20px;">Insurance that pays and renders services on behalf of a policyholder who is unintentionally, but legally responsible for bodily injury or property damage that is caused to another person and covered in the policy.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Loss of Use</div><div style="margin-bottom: 20px;">See <a href="http://www.rmiia.org/homeowners/Walking_Through_Your_Policy/Glossary.asp#additional_living_expense" style="color: #cc0000;">Additional Living Expense</a>.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Market Value</div><div style="margin-bottom: 20px;">The price for which something would sell under current market conditions.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Ordinance or Law Exclusion</div><div style="margin-bottom: 20px;">Homeowners policies may exclude situations where repair or replacement of damaged property must be done in conformance with building codes requiring upgraded materials. A standard homeowners policy may cover only the cost of replacing or repairing with the original grade of materials. The difference in cost between the old materials and the new materials required by ordinance or law is excluded or limited, unless the homeowner has purchased additional coverage.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Package Policy</div><div style="margin-bottom: 20px;">A single insurance policy that combines several coverages available separately. For example, homeowners insurance is a package policy, combining property, liability and theft coverages.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Peril</div><div style="margin-bottom: 20px;">A property insurance term referring to the possible cause of loss such as a fire or a windstorm.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Personal Liability</div><div style="margin-bottom: 20px;">See <a href="http://www.rmiia.org/homeowners/Walking_Through_Your_Policy/Glossary.asp#liability" style="color: #cc0000;">Liability</a>.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Personal Property</div><div style="margin-bottom: 20px;">All tangible property not classified as real property.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Policy</div><div style="margin-bottom: 20px;">A written contract for insurance between the insurance company and the policyholder, stating which perils and damages are covered and which are not.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Premium</div><div style="margin-bottom: 20px;">The amount of money an insurance company charges, based on a given rate, to provide the coverage described in the policy, or, simply stated, the price of insurance protection for a specified risk for a specified period of time. Typical homeowners insurance premiums are charged annually.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Property Coverages</div><div style="margin-bottom: 20px;">Insurance that covers damage to or loss of the policyholder's property.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Rates</div><div style="margin-bottom: 20px;">The cost of a unit of insurance as determined by insurance companies and state regulators. The rate serves as the basis for the premium.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Real Property</div><div style="margin-bottom: 20px;">Land and most things attached to the land such as buildings and vegetation.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Regulation</div><div style="margin-bottom: 20px;">Insurance is a state-regulated business. State insurance laws are administered by insurance departments, whose job includes approval of rates and policy forms, investigation of company practices, review of annual financial statements, periodic examination of books and liquidation of insolvent insurers.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Renters Insurance</div><div style="margin-bottom: 20px;">A form of homeowners insurance offering coverage for personal property and liability, but excluding real property.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Replacement Value</div><div style="margin-bottom: 20px;">The cost of replacing property without deducting for depreciation.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Rider</div><div style="margin-bottom: 20px;">See <a href="http://www.rmiia.org/homeowners/Walking_Through_Your_Policy/Glossary.asp#endorsement" style="color: #cc0000;">Endorsement</a>.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Risk</div><div style="margin-bottom: 20px;">This word has two meanings for insurers: (1) the chance of loss, such as from a peril; and (2) the person or entity that is insured by a policy.</div><div class="subhead" style="color: #488faa; font-size: 16px; font-weight: bold; line-height: 20px; margin-bottom: 20px;">Underwriter</div><div style="margin-bottom: 20px;">A company representative who reviews applications for insurance coverage to ensure that they are acceptable and appropriately priced.</div><div><br /></div></td></tr></tbody></table><span face=""arial" , "helvetica" , sans-serif"></span><span face=""arial" , "helvetica" , sans-serif"><br /></span><span style="line-height: 18.4px;"><span face=""arial" , "helvetica" , sans-serif" style="color: #222222;">Your </span><a href="http://www.southgroupgulfcoast.com/" style="color: #222222;" target="_blank"><span style="color: blue;"><span face=""arial" , "helvetica" , sans-serif">Trusted Choice</span></span></a><span face=""arial" , "helvetica" , sans-serif" style="color: #222222;"> Insurance Agent, </span><a href="http://www.southgroupgulfcoast.com/" style="color: #222222;" target="_blank"><span style="color: blue;"><span face=""arial" , "helvetica" , sans-serif">SouthGroup Insurance Gulf Coast</span></span></a><span face=""arial" , "helvetica" , sans-serif"><span style="color: #222222;"> 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!</span><br /><br /><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;">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 </span><a href="http://www.southgroupgulfcoast.com/" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;"><span style="color: #249fa3;">http://www.southgroupgulfcoast.com/</span></a><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; font-size: 13.2px;"><span style="color: #222222;"> , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Melissa Dunn, Alex Treutel, Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, 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: </span><span style="color: #249fa3;">info@southgroupgulfcoast.com</span></span><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;">, phone or text:</span><a href="stcall://912284664498/" style="background-color: white; color: #ff6600; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;">, fax:</span><a href="stcall://918884158922/" style="background-color: white; color: #ff6600; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;">, FaceBook </span><a href="http://www.facebook.com/southgroup.gulfcoast" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;"><span style="color: #249fa3;">www.facebook.com/southgroup.gulfcoast</span></a><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;"> , or Twitter </span><a href="http://www.twitter.com/atreutel" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;"><span style="color: #249fa3;">www.twitter.com/atreutel</span></a><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;"> ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span><br style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><br style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;">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…</span><br style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><br style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;">We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.</span><br style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-size: xx-small;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="background-color: white; font-size: xx-small;" /><span style="background-color: white; color: #222222; font-size: xx-small;">#trustedchoice #southgroup</span><br style="background-color: white; font-size: xx-small;" /><span face="arial, sans-serif" style="background-color: white; color: #222222; font-size: xx-small; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></span></span>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-53525296750007660672022-12-01T16:21:00.001-06:002022-12-01T16:21:00.165-06:00Errors & Omissions Insurance to Protect Your Professional Advice<p><span style="background-color: white; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.25rem;">If your professional advice or service costs your client money and you’re sued, E&O insurance will cover you. Full article here: </span><span style="font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="font-size: 20px;">https://www.trustedchoice.com/business-insurance/liability/errors-omissions/ </span></span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Many people pay experienced professionals to give them trustworthy advice on things such as buying a home, legal issues, tax preparation, investing, and more. Most of the time, these professionals give sound advice that can help them with their goals. But what happens if they give inaccurate or faulty information to a client? </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Besides potentially costing money, this could result in a lawsuit. Fortunately, for professionals who are brought into those lawsuits, there is insurance that can cover them. This type of insurance is called errors & omissions, or E&O, insurance. It’s also sometimes referred to as professional liability insurance. E&O insurance is always a separate insurance policy that’s bought in addition to a standard general liability insurance policy. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Businesses that offer any type of professional advice or provide services to clients are good candidates for E&O insurance. To help determine if your business needs errors and omissions insurance, it’s important to understand what your standard commercial general liability insurance doesn’t cover you for. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">General liability is the type of liability that almost all businesses have if they have business insurance. It covers your business for lawsuits if you’re found negligent for somebody else’s injuries or property damage, such as a slip-and-fall injury or having a faulty product that caused somebody injury. General liability specifically does not cover (excludes in insurance-speak) professional advice and services. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Typically, insurance companies have specific errors and omissions coverage forms that apply to each industry. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="box-sizing: border-box; font-weight: bolder;">Common professions that use errors and omissions coverage include:</span></p><div class="row my-0 mb-md-3" style="background-color: white; box-sizing: border-box; color: #030303; display: flex; flex-wrap: wrap; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 3rem 0px;"><div class="col-md-6" style="box-sizing: border-box; flex: 0 0 50%; max-width: 50%; padding-left: 15px; padding-right: 15px; position: relative; width: 315.163px;"><div style="box-sizing: border-box;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><ul style="box-sizing: border-box; list-style-type: none; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Lawyers</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Accountants</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Financial advisers</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Barbers and beauticians</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Cemetery professionals</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Contractors</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Architects</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Engineers</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Social services</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Teachers or tutors</li></ul></div></div></div><div class="col-md-6" style="box-sizing: border-box; flex: 0 0 50%; max-width: 50%; padding-left: 15px; padding-right: 15px; position: relative; width: 315.163px;"><div style="box-sizing: border-box;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><ul style="box-sizing: border-box; list-style-type: none; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Funeral directors</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Wedding planners</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Fitness trainers</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Veterinarians</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Doctors</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Dentists</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Insurance agents</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Counselors</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">IT services</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Marketing firms</li></ul></div></div></div></div><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">If your business is based on your professional expertise and you’re providing advice and recommendations to clients, then be sure to speak with an <a href="http://www.southgroupgulfcoast.com" target="_blank">independent insurance agent</a> about errors and omissions insurance coverage. </p><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, contact your <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a> agent, SouthGroup-Gulf Coast <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-13177752107873969512022-11-01T16:15:00.001-05:002022-11-01T16:15:00.174-05:00Annuities - How Do they Work and Are They A Good Idea?<p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px;">You purchase an annuity by paying a single lump sum, or in some cases, by making periodic payments over time, such as through payroll withholding. The insurance company then invests your payment so the annuity earns interest. Depending on the type of annuity you choose, that interest may or may not change the payments you receive or the length of time the annuity pays.</span></p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">You buy an annuity because you want a predictable, guaranteed source of income in the future that isn’t subject to market fluctuations. </p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">The primary advantage annuities have over other investments such as stocks, bonds, and mutual funds is the predictability and guaranteed income they provide. With a simple annuity, the only way your payments will ever go down or stop early is if the issuing company were to become completely insolvent.</p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">Annuities are typically purchased by retirees and those planning for retirement. They’re also sometimes purchased by people who come into a sudden windfall, such as winning the lottery or receiving a large legal settlement, and by people when making wills. </p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">You probably wouldn’t want to leave children a large sum of money with no restrictions, so an annuity would provide a good way to give them a safe, guaranteed income for many years.</p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">Annuities are neither better nor worse than stocks, bonds and mutual funds; they serve different roles. </p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">Annuities provide a safe, predictable future income. They aren’t usually purchased with the expectation that they will gain value like stocks and mutual funds are. They are somewhat similar to bonds, but bonds can be traded on the open market at any time while annuities cannot.</p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="background-color: white;">Many annuities offer optional riders that provide a death benefit that allows a spouse to continue receiving payments if the owner dies, or even to accelerate payments if the owner is diagnosed with a terminal illness. This is something you should carefully consider and discuss with your insurance agent when buying an annuity.</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px;">The full article is available through <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a> here </span><span style="color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;">https://www.trustedchoice.com/best-annuities/ </span></p><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-84013442692808168982022-10-01T16:00:00.001-05:002022-10-01T16:00:00.185-05:00Commercial Umbrella Insurance for Liability Protection for Your Business<p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 17.6px;">Your business insurance provides critical legal protection, but in certain cases, it might not be enough. If a particularly costly lawsuit gets filed against your company, you could easily be in need of extra coverage. Fortunately business umbrella insurance is designed to provide this important protection.</span></p><p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 17.6px;">This article is courtesy of <a href="http://www.southgroupgulfcoast.com" target="_blank">SouthGroup Insurance</a> and <a href="http://trustedchoice.com" target="_blank">Trusted Choice</a>. You may view the entire article here: </span><span style="color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="font-size: 17.6px;">https://www.trustedchoice.com/business-insurance/coverage-types/umbrella/</span></span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><a href="https://www.trustedchoice.com/business-insurance/coverage-types/umbrella/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">Business umbrella insurance</a> is an extension of the <a href="https://www.trustedchoice.com/business-insurance/liability/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">general liability</a> coverage provided by a <a href="https://www.trustedchoice.com/business-insurance/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">business insurance</a> or <a href="https://www.trustedchoice.com/business-insurance/coverage-types/bop-business-owners-policy/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">businessowners insurance</a> (BOP) policy. Umbrella policies often start with coverage limits of $1 million. You can even stack more business umbrella insurance on top of that, if necessary.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Basically, business umbrella insurance complements your existing liability coverage. If your company gets slapped with a hefty lawsuit and you exhaust your general liability coverage limit, your umbrella insurance would kick in to help cover the remaining costs, up to the policy's limit.</p><h4 style="background-color: white; box-sizing: border-box; color: #343a40; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.275rem + 0.3vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Businesses that buy umbrella insurance typically:</h4><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Need to extend their liability coverage with an additional policy, or more</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Already have insurance in place but need to bridge the gap on $2 million or higher coverage requirements</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Are at an increased liability risk, such as businesses that get a lot of traffic or have risky operations</li></ul><div><h4 style="background-color: white; box-sizing: border-box; color: #343a40; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.275rem + 0.3vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Business umbrella insurance covers the following:</h4><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Excess liability: </span>Business umbrella insurance extends the liability coverage limits of underlying policies like business insurance or commercial auto insurance. Umbrella insurance kicks in only once the underlying policy has been exhausted.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Coverage gaps: </span>Umbrella policies can also be used to cover additional liabilities not covered by regular business insurance or other policy. Libel and slander are common examples.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Additional limits: </span>Umbrella insurance's limits are based on the limits of the underlying policies. Your business umbrella insurance can include coverage up to its full limit, exclude coverage for sublimited events, or double the sublimit.</li></ul><div><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-17777803818926895682022-09-01T15:54:00.001-05:002022-09-01T15:54:00.185-05:00Special Event Insurance Coverage to Protect Your Wedding or Fundraiser<p> <span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">A special event can be as simple as a birthday party or as complex as a month-long state fair. If you are planning a special event, you need to check with a professional insurance agent to determine what coverage, if any, may be provided by your existing insurance and what additional special event insurance you will need to carry. </span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">You should obtain insurance for events well before the time it is needed, because the process to underwrite this kind of coverage can be complicated and lengthy.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">This article is courtesy of <a href="http://www.southgroupinsurance.com" target="_blank">SouthGroup Insurance</a> and <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice.</a> You may view the full article here: https://www.trustedchoice.com/business-insurance/liability/special-event.</p><h4 style="background-color: white; box-sizing: border-box; color: #343a40; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.275rem + 0.3vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Special events can involve a many different exposures:</h4><div style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 3rem 0px;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><ul style="box-sizing: border-box; list-style-type: none; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Automobile liability</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Liquor liability</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Aircraft liability</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Spectator liability</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Products liability</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">General premises liability</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Animal liability</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Liability for rented or loaned property</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Damage to owned property</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Medical malpractice if you have a first aid station</li></ul></div></div><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Standard personal or commercial policies will not cover all these exposures. In most cases you will find that you are better off having event liability insurance that is specifically tailored to cover your situation.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Here is the kind of information <a href="http://www.southgroupgulfcoast.com" target="_blank">an insurance agent </a>will want to have available in order to price your special event insurance:</p><div style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 3rem 0px;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><ul style="box-sizing: border-box; list-style-type: none; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">The nature of the event</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">The length of the event</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">The location of the event</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">A list of all activities planned</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">The number of participants expected</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">What are the provisions for crowd control?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Will liquor be served or sold?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Are there any amusement rides?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Are there activities that can involve injury to spectators?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Are vehicles or other motorized equipment involved?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Is food to be provided or sold?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Are outside vendors involved and will they provide proof of their own insurance?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Who is running the event and what experience have they had?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Are there any prior claims if the same event has been held previously?</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">What limits of liability are requested?</li></ul></div></div><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">If you are planning to rent a facility for the event, the owner may require that you purchase special event coverage as a condition of the rental. In many cases, the owner will want to be an additional named insured on the policy.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Weddings and concerts are two of the most common special events. A private wedding in a church with a reception on the grounds will not normally require special event insurance. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">However, if your wedding is a more elaborate event in a rented facility, you may have to purchase a special events insurance policy. You should take extra caution if your event involves alcohol. Liquor liability laws vary from state to state. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">However, it is very possible that if you provide alcohol to a guest or participant at your wedding and that person later is responsible for an accident, you could have some legal responsibility. If you do provide alcohol, the safest thing to do is to be sure your special event insurance includes this exposure.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Concerts can vary from small, one-time events to large, elaborate affairs involving thousands of spectators. Some concerts involve fireworks, which can and have caused serious injuries and large legal claims. Large events can also involve issues having to do with crowd control. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Crowd control is a challenging issue for concert organizers to deal with. Too little crowd control can cause injuries to spectators and potential liability risks, but too much crowd control can be just as problematic and could also cause you to face a lawsuit if a patron was handled roughly by a bouncer, for example.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="font-size: 17.6px;">A festival can be anything from a bake sale in your church parking lot to a large music festival like Lollapalooza. The longer the event, the more activities, and the more participants involved, the more likely it is that you'll need private event insurance. </span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">One-day events, like a 5K run or a food truck festival, still take a lot of effort to organize. Depending on the events you plan and the vendors you use, you may still have a lot of insurance risk to juggle. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">If you have vendors at your event, make sure you know if they have proof of insurance to operate at the site. Similar to a wedding or a concert, be sure that you have insurance to cover your exposure, like liquor liability insurance.</p><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-62983431407448508892022-08-01T15:49:00.002-05:002022-08-01T15:49:00.185-05:00Disability Insurance Pays You When You Can't Work Due to Illness or Injury<p><span style="color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px;">Disability insurance pays a benefit if you can’t work because of illness or injury. It covers you for total disability and partial disability. Your <a href="http://www.southgroupgulfcoast.com" target="_blank">independent insurance agent</a> is available to offer you assistance.</span></p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">Disability plans have a “Definition of Disability” that describes when benefits are payable. The benefit period is how long they are payable. The elimination period is how long after disability occurs benefits are payable.</p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">This article is an excerpt from <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a>. The full article is here: https://www.trustedchoice.com/best-disability-insurance/ </p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="background-color: white;">Disability plans also have exclusions that describe when benefits aren't payable. Common exclusions are injuries caused by suicide attempt, or the commission of a crime. Disability because of a preexisting condition or illness may also be excluded. Disability plans may also limit coverage for certain conditions. Mental illness and substance abuse benefits are often limited.</span></p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="background-color: white;">Disability plans pay benefits when the definition of disability is met and the elimination period is satisfied (usually 90 days).</span></p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">An individual disability insurance policy can follow you throughout your career and has numerous advantages over group disability insurance. Your disability doesn’t need to have been caused by your job for it to be covered by individual or group disability insurance.</p><p style="box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">There are two kinds of individual disability insurance: long-term and short-term. They cover two different disability scenarios. You may be able to convert your short-term coverage into long-term coverage if your disability is more serious than you and your doctors initially realized.</p><h4 style="background-color: white; box-sizing: border-box; color: #343a40; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.275rem + 0.3vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;"><span style="box-sizing: border-box; font-weight: bolder;">Solo Options:</span></h4><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="f3713eef-9594-4310-9bbb-1ce8edc41747" href="https://www.trustedchoice.com/disability-insurance/individual/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Individual disability insurance</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>This is all about supplementing your income in the not-so-rare event that you will need it due to an injury or illness. Be sure not to confuse this policy with coverage for getting hurt on the job. Getting injured at work actually falls under your employer's workers' compensation policy. Typically, you are getting this policy on your own if your employer doesn't offer it, or if you’re self-employed.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="e9b96d1e-5924-4805-9559-93bff9b224d8" href="https://www.trustedchoice.com/disability-insurance/individual/long-term/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Individual long-term disability insurance</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>This provides a portion of your income, as much as 60% - 70%, for as long as your disability keeps you away from work, whether it's years or even decades. Typically, your benefits won’t become available until 90 days into your disability or illness, so be prepared for that. This coverage isn't normally offered by your employer, and if it is, the coverage can be pretty basic. Luckily, if you find your employer’s plan isn't a slam dunk, you can supplement it with another policy on your own through your independent insurance agent.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="564bff28-9c45-4cbe-bb35-be8e556526ae" href="https://www.trustedchoice.com/disability-insurance/individual/short-term/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Individual short-term disability insurance</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>This is your other not so long-term friend. And while it covers about 40% - 60% of your income, similar to your long-term friend above, it only lasts a fraction as long. This policy will be in use for months, at the most a year, and is often provided by your employer. Unlike long-term, a short-term disability policy will kick in fast (usually within 14 days), before vanishing like the wind.<span style="box-sizing: border-box; font-weight: bolder;"></span></li></ul><h4 style="background-color: white; box-sizing: border-box; color: #343a40; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.275rem + 0.3vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;"><span style="box-sizing: border-box; font-weight: bolder;">Group Options:</span></h4><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="a6164105-e595-4b58-8ca2-2e3e568183d3" href="https://www.trustedchoice.com/disability-insurance/group-disability-insurance/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Group disability insurance</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>Pile an eligible group of employees together and offer them basic disability income insurance at a group rate, and there you have it, group disability insurance. This plan is pretty simple for your employer to offer, pulling all qualified employees together in one easy policy. One of the benefits of group disability is that it covers employees regardless of their health. This makes the rates on average lower than your individual disability insurance, but the coverage is still pretty basic.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="e9ddaeb3-a381-436b-94dc-b697e5285bf3" href="https://www.trustedchoice.com/disability-insurance/group-disability-insurance/long-term/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Group long-term disability</span></a><span style="box-sizing: border-box; font-weight: bolder;">:</span> Group long-term disability is provided by your employer and assists in paying a portion of your income for a long-term illness or disability if it keeps you from doing your job. Coverage can last for years or more, depending on the policy terms. Like the group disability insurance above, this plan is provided to eligible employees and isn't dependent on health status. <span style="box-sizing: border-box; font-weight: bolder;"> </span></li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="88e67e4a-b7a1-4317-9225-efe644da6f90" href="https://www.trustedchoice.com/disability-insurance/group-disability-insurance/short-term/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Group short-term disability</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>Group short-term disability is like the rest of the group plans discussed, and is provided through your employer. It assists with income replacement during an employee's short-term illness or disability, and coverage lasts an average of 1 - 6 months. It's possible to use your group short-term disability and then move to your group long-term disability plan if the need arises.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="318f14f9-0a22-4aba-abd5-41468d5c79b4" href="https://www.trustedchoice.com/disability-insurance/group-disability-insurance/voluntary/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Voluntary disability insurance</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>This is another employer-offered disability insurance. Voluntary means that the insurance or benefit is volunteered by you, usually during the beginning of employment or during open enrollment. As in, you volunteer to participate in any or all of the benefits offered. Short-term disability plans are normally the type of benefit that employers offer in the voluntary offering, among others.</li></ul><div><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-53185868546625711242022-07-01T15:44:00.001-05:002022-07-01T15:44:00.167-05:00Surety Bonds for Your Business Protection<p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">Professionally, not producing a promised product or completing a project could get you in a lot of trouble. </span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Protect your reputation and company name by purchasing a surety business bond from an <a href="http://www.southgroupgulfcoast.com" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;" target="_blank">independent agent</a>. This article is an excerpt from <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a>. The full article may be viewed here: https://www.trustedchoice.com/business-insurance/coverage-types/surety-bonds/</p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Who Needs Surety Bonds?</h3><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Automotive dealers</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Construction companies</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Independent contractors</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Collection agencies</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Health clubs</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Auctioneers</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Medical equipment providers</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Travel agencies</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Notaries</li></ul><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">What Is a Surety Bond?</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Many people think of surety bonds as "surety insurance." But they are not actually a form of insurance. Think of a surety bond as a line of credit. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">If you can’t complete a project, the project owner can then tap into that line of credit to finish the project as necessary. Surety business bonds are a three-party agreement. The three parties involved include:</p><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">The surety company supplying the bond</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">The obligee, who is the project owner</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">The principal, which is the contractor, organization or employer providing the work</li></ul><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Before the contractor can begin the job, the project owner may require a surety business bond from a surety company. Some projects will require a surety bond and others may not. </p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Types of Surety Business Bonds</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Although surety bonds are common in the construction/contracting field, there are many types of bonds that serve many different purposes.</p><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">License and permit bonds:</span> The obligee, which is often a government agency, requires a bond from the principal. The bond states that all codes and regulations will be followed. For example, a plumber may be required to obtain a license before beginning work. To get a plumber license, you must first secure a license bond, agreeing to adhere to city plumbing code.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Public official bond:</span> This bond states that elected or appointed officials will perform the duties they are given. Typical bonded positions include notaries, judges, and treasurers.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Probate and other court bonds:</span> If you’re given a certain responsibility as a fiduciary or trustee, a probate bond guarantees you perform honestly and faithfully. Other court bonds include:<ul style="box-sizing: border-box; margin-bottom: 0px; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Administrator</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Executor</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Conservator</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Injunction</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Release of lien</li></ul></li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Miscellaneous bonds:</span> These are complicated bonds requiring an experienced underwriter, since most involve large risk obligations. These include several types of bonds, including:<ul style="box-sizing: border-box; margin-bottom: 0px; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Utility payment guarantees</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Union wage and welfare</li></ul></li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Contract performance bond:</span> This bond guarantees that you will follow all terms and conditions set forth by the contract. Many require advance notice. Types of contract performance bonds include:<ul style="box-sizing: border-box; margin-bottom: 0px; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Bid bonds</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Performance bonds</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Payment bonds</li></ul></li></ul><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Benefits of Surety Bonds</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">If you aren’t required to purchase a surety business bond, why would you? There are multiple ways surety bonds can benefit both parties. As the principal, obtaining a surety bond prior to working with a new project owner displays business integrity and financial stability. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">To get a surety bond, principals must apply and meet certain standards set by a surety company. Being rewarded with a surety bond from a top quality surety company is a testament to your business strength.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">For a project owner, surety bonds can be a lifesaver. Even if a terrible tragedy prevents a principal from fulfilling a contract, the project must still be completed. Working with a principal that possesses a surety bond can provide peace of mind that, no matter what, your job will get done.</p><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-24744851491099416262022-06-01T15:37:00.005-05:002022-06-01T15:37:00.182-05:00Mobile Home Insurance - You Need Protection Whether Your Home is On Wheels or Grounded<p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 17.6px;">Mobile home insurance can be confusing, which is why an independent </span><span style="color: #035096; font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="background-color: white; box-sizing: border-box; font-size: 17.6px; transition-duration: 0.15s; transition-property: color; transition-timing-function: ease-in-out;"><a href="http://www.southgroupgulfcoast.com" target="_blank">insurance agent</a></span></span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 17.6px;"><a href="http://www.southgroupgulfcoast.com" target="_blank"> </a>can help clear things up and find you a great insurance policy. This article is courtesy of <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice.</a> You may view the whole article here: </span><span style="color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="font-size: 17.6px;">https://www.trustedchoice.com/mobile-home-insurance/ </span></span></p><p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 17.6px;">To start, let's talk a little more about mobile homes because they don't always come on wheels. </span></p><p><span style="background-color: white; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw);">What Is a Mobile Home?</span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">A mobile home, also called a manufactured home, is a four-walled structure that’s built in a factory and delivered to you to live in. It can remain “on wheels” or not, and in some cases, it can be built on a permanent slab for safekeeping. Just keep in mind that the more “secured to the ground” it is, the more insurable it is.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">And similar to a manufactured home, but different, is a modular home. Modular homes are also built inside of a factory. But unlike mobile homes, they are brought to a permanent location in bigger chunks and assembled on-site. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">A modular home, depending on the insurance company, can sometimes be classified as a manufactured home and sometimes as a site-built home if it’s built on a foundation.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="color: #062974; font-size: calc(1.3rem + 0.6vw);">What Is Mobile Home Insurance?<br /></span><span style="font-size: 17.6px;">Mobile homes are typically made with different materials than today’s site-built homes. Since they're created in a factory and then transported, the materials need to be much lighter. Unfortunately, lighter materials are easier to damage, so mobile home insurance takes this into consideration. </span></p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">What Does Mobile Home Insurance Cover?</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Similar to homeowners insurance, mobile home insurance coverage begins with the three most common and basic coverages that any homeowner should have: </p><div style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 3rem 0px;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><ul style="box-sizing: border-box; list-style-type: none; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Property coverage: </span>Protects you from any big loss to your property due to fire, natural disasters, etc.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Liability coverage: </span>Protects you financially if someone files a claim or lawsuit after getting hurt in your home or on your property.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Contents coverage: </span>Protects all of your possessions in the event of theft or natural disaster-related damage</li></ul></div></div><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">Now the amount of coverage you’ll need depends on a number of factors, the most important is probably the value of your home and its contents. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">If your mobile home is involved in a claim, there are two ways you can choose to be reimbursed:</p><div style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; margin: 3rem 0px;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><ul style="box-sizing: border-box; font-size: 16px; list-style-type: none; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="28ba0f88-b273-52a1-8d90-f18dc050978a" href="https://www.trustedchoice.com/homeowners-insurance/home-coverage-types/actual-cash-value-vs-replacement-cost/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Actual cash value</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>Compensation based on the value of your structure in the current market which takes into account depreciation. (Mobile homes depreciate very fast, just like a car.)</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Replacement value: </span>Compensation for the amount it would cost to rebuild the structure to its original condition with similar materials. </li></ul><div><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div></div></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-26281746871706693012022-05-01T15:31:00.001-05:002022-05-01T15:31:00.175-05:00Professional Liability Insurance - How This Protects You and Your Business<p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 17.6px;">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 <a href="http://www.southgroupgulfcoast.com" target="_blank">SouthGroup Insurance</a> and <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a>. The full article may be viewed here: </span><span style="color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="font-size: 17.6px;">https://www.trustedchoice.com/professional-liability-insurance/ </span></span></p><p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 17.6px;">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. </span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">There are two different professional liability coverage types: a claims-made and an occurrence policy. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">A <span style="box-sizing: border-box; font-weight: bolder;">claims-made policy</span> 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.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">An <span style="box-sizing: border-box; font-weight: bolder;">occurrence policy</span> 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.</p><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-56829315805666781062022-04-01T15:24:00.015-05:002022-04-01T15:24:00.179-05:00Farm Insurance for Your Farm, Your Equipment, and for Your Legal Protection<p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">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. </span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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 <a href="http://www.southgroupgulfcoast.com" target="_blank"><span style="color: #035096;"><span style="box-sizing: border-box; transition-duration: 0.15s; transition-property: color; transition-timing-function: ease-in-out;">trusted independent insurance agent</span></span> </a>who can guide you through the process and make sure you are properly covered. This article is compliments of <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice.</a> You may view the full article here: <a href="https://www.trustedchoice.com/farm-ranch/farm/" target="_blank">https://www.trustedchoice.com/farm-ranch/farm/ </a></p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">What Does Farm Insurance Cover? </h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. <span style="font-size: 16px;"> </span></p><table class="table table-hover table-bordered" style="border-collapse: collapse; border: 1px solid rgb(222, 226, 230); color: #212529; margin-bottom: 1rem; width: 630.325px;"><thead class="text-lg bg-tc-blue-800 text-white" style="background-color: rgb(6, 41, 116) !important; box-sizing: border-box; color: rgb(255, 255, 255) !important; font-size: 1.125rem;"><tr style="box-sizing: border-box;"><th class="align-top" scope="col" style="border-color: rgb(222, 226, 230); border-image: initial; border-style: solid; border-width: 1px 1px 2px; box-sizing: border-box; padding: 0.75rem; vertical-align: bottom;">Farm Insurance Coverage Levels</th><th class="align-top" scope="col" style="border-color: rgb(222, 226, 230); border-image: initial; border-style: solid; border-width: 1px 1px 2px; box-sizing: border-box; padding: 0.75rem; vertical-align: bottom;"><center style="box-sizing: border-box;">Basic</center></th><th class="align-top" scope="col" style="border-color: rgb(222, 226, 230); border-image: initial; border-style: solid; border-width: 1px 1px 2px; box-sizing: border-box; padding: 0.75rem; vertical-align: bottom;"><center style="box-sizing: border-box;">Extra Options</center></th></tr></thead><tbody style="box-sizing: border-box;"><tr style="background-color: rgba(0, 0, 0, 0.05); box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Dwelling</td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Basic coverage" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td></tr><tr style="box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Farm Liability</td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Basic coverage" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td></tr><tr style="background-color: rgba(0, 0, 0, 0.05); box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Barn/Outbuilding Coverage</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Crop Coverage</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="background-color: rgba(0, 0, 0, 0.05); box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Livestock Coverage</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Farm Equipment Coverage</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="background-color: rgba(0, 0, 0, 0.05); box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Multi-Peril Crop Coverage (MPCI)</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Crop-Hail Coverage</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="background-color: rgba(0, 0, 0, 0.05); box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Specialized Peril</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Grain Fire Policy</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="background-color: rgba(0, 0, 0, 0.05); box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Rainfall Policy</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Citrus Freeze Policy</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr><tr style="background-color: rgba(0, 0, 0, 0.05); box-sizing: border-box;"><td scope="row" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;">Citrus Business Interruption Policy</td><td style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; vertical-align: top;"></td><td class="text-center" style="border: 1px solid rgb(222, 226, 230); box-sizing: border-box; padding: 0.75rem; text-align: center !important; vertical-align: top;"><center style="box-sizing: border-box;"><img alt="Extra options" class="svg-text-2xl" height="24" loading="lazy" src="https://www.trustedchoice.com/icons/regular/check.svg" style="border-style: none; box-sizing: border-box; max-width: 100%; vertical-align: middle; width: 1.5em;" width="24" /></center></td></tr></tbody></table><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="box-sizing: border-box; font-weight: bolder;">Basics</span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Dwelling:</span> 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 <a data-item-id="1b4e1967-0497-481b-82ce-3bd2ac956122" href="https://www.trustedchoice.com/homeowners-insurance/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">homeowners insurance</a> policy. You can still have farm insurance even if you don’t have a house on the policy. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Farm liability:</span> 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. </li></ul><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="box-sizing: border-box; font-weight: bolder;">Extra options</span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="box-sizing: border-box; font-size: 16px;"></span><span style="font-size: 16px;"></span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Barn/outbuilding coverage:</span> 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. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Crop coverage:</span> Traditional <a data-item-id="106c20d6-524e-5a38-b405-76bca3f8c26d" href="https://www.trustedchoice.com/farm-ranch/crop/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">crop insurance </a>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. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Livestock coverage:</span> 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. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Farm equipment coverage:</span> 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. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Multi-peril crop insurance (MPCI): </span>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.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Crop-hail insurance:</span> 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.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Specialized peril:</span> 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.<ul style="box-sizing: border-box; margin-bottom: 0px; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Grain fire policy: </span>Covers most crops against natural, manmade or lightning fire loss</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Rainfall policy: </span>Covers loss of crops, such as tomatoes and raisins, due to rainfall issues</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Citrus freeze policy: </span>Protects citrus growers against loss due to early freezes</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Citrus business interruption policy: </span>Covers citrus packers if their business is interrupted as a result of a freeze</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Hay fire policy: </span>Covers fire damage while hay is in stacks</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Other specialized policies: </span>Ask your insurance agent for coverages available in your state or region</li></ul></li></ul><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="box-sizing: border-box; font-weight: bolder;">Business</span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Business income:</span> <a data-item-id="6c4acada-5df9-5fe9-b241-d1a3ac260c68" href="https://www.trustedchoice.com/business-insurance/coverage-types/business-interruption/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">Business income or interruption insurance</a> 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. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Workers’ compensation:</span> Unlike most state regulations that require standard businesses to carry <a data-item-id="b1857861-67b4-5266-967b-16298f6bfcd7" href="https://www.trustedchoice.com/business-insurance/workers-compensation/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">workers’ compensation insurance</a>, 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. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Commercial auto:</span> 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 <a data-item-id="60751469-59d8-5395-9706-376de61e2e0c" href="https://www.trustedchoice.com/commercial-vehicle-insurance/auto-coverage/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">commercial auto insurance</a> 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. </li></ul><div><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-69269603574206895782022-03-01T15:17:00.001-06:002022-03-01T15:17:00.181-06:00Builders Risk Insurance - Have the Right Coverage for Your Construction Project <p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">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.</span></p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">It's important to get equipped with the right builders risk insurance before a project ever begins, and an independent <a href="http://www.southgroupgulfcoast.com" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;" target="_blank">insurance agent</a> 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 <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a>.<br /></p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">What Is Builders Risk Insurance? </h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><h4 style="background-color: white; box-sizing: border-box; color: #343a40; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.275rem + 0.3vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Builders risk coverage protects construction projects against the following perils:</h4><div style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 3rem 0px;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><ul style="box-sizing: border-box; list-style-type: none; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Theft</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Vandalism</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Fire</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Lightning</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Hail</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Explosions</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;">Hurricanes</li></ul></div></div><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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.</p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Types of Builders Risk insurance</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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:</p><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="85717bf2-0b99-4fab-9d97-95e5effae956" href="https://www.trustedchoice.com/insurance-articles/opinion-variety/equipment-breakdown-insurance/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Equipment breakdown</span></a><span style="box-sizing: border-box; font-weight: bolder;">:</span> Protects property and equipment from mechanical breakdowns, as well as the explosion of steam boilers, and more.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><a data-item-id="da7e7bb3-b41c-4494-8dc0-06d41a427add" href="https://www.trustedchoice.com/homeowners-insurance/home-coverage-types/ordinance-or-law/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Ordinance and law</span></a><span style="box-sizing: border-box; font-weight: bolder;">: </span>Protects against increased rebuilding costs due to ordinances or laws that regulate construction of damaged structures due to covered losses. </li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Identity restoration:</span> Protects against identity theft of the business owner.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Building coverage:</span> 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.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Commercial general liability (CGL):</span> Protects builders against lawsuits filed by third parties for claims of bodily injury or property damage, or advertising injury. CGL<span style="box-sizing: border-box; font-weight: bolder;"> </span>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.</li></ul><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">An <a href="http://www.southgroupgulfcoast.com" target="_blank">independent insurance agent</a> can further explain the types of builders risk coverage and help you determine which options make the most sense for your needs.</p><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14.52px; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="font-size: 15.972px; line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 11.88px; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br style="font-size: 11.88px; margin-left: 0px; margin-right: 0px;" /></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-27457833260882534772022-02-01T14:47:00.001-06:002022-02-01T14:47:00.189-06:00Collector Car Insurance - How to Insure Your Classic Car Investment<h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;"><span style="color: #030303; font-size: 17.6px; font-weight: 400;">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 <a href="http://www.southgroupgulfcoast.com" target="_blank">local Trusted Choice Agent</a> can help you protect your investment. The following information is courtesy of <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a>.<br /></span><br />What Is Collector Car Insurance?</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">The agreed value includes your entire investment in the car. Rates for collector car insurance are often cheaper than for traditional <a href="https://www.trustedchoice.com/car-insurance/" style="background-color: transparent; box-sizing: border-box; color: #035096; transition: color 0.15s ease-in-out 0s;">car insurance</a>, 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.</p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">How Does Collector Car Insurance Work?</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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.</p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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.</p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">How Is the Agreed Value Determined?</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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.</p><h3 style="background-color: white; box-sizing: border-box; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Benefits of Collector Car Insurance</h3><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">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 <a href="http://www.southgroupgulfcoast.com" target="_blank">independent insurance agents</a> are well versed in the needs of collector car owners and how these special vehicles differ in value from everyday vehicles.</p><h4 style="background-color: white; box-sizing: border-box; color: #343a40; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.275rem + 0.3vw); line-height: 1.2; margin-bottom: 1.5rem; margin-top: 3rem;">Collector car insurance comes with many important coverage options, like:</h4><ul style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Auto show medical reimbursement:</span> Covers you if someone gets injured at a car show featuring your classic car.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">No attendance required:</span> Covers your vehicle from numerous threats while you're away from it, like if it's being shown at a car event.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Increased replacement cost:</span> Covers the difference if your collector car's value if it increases beyond its agreed value.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Spare parts coverage:</span> Covers various types of incidents involving spare parts of your classic car, including theft and damage.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Roadside assistance:</span> Covers the need for roadside assistance, such as towing in the event of a breakdown on the road.</li><li style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 0.8rem;"><span style="box-sizing: border-box; font-weight: bolder;">Cash settlement option:</span> 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.</li></ul><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;">An <a href="http://www.southgroupgulfcoast.com" target="_blank">independent insurance agent</a> can explain even more benefits of having the right collector car insurance. </p><p style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;">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 </span><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;"> , 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: </span><a href="mailto:info@southgroupgulfcoast.com" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px; text-decoration-line: none;" target="_blank">info@southgroupgulfcoast.com</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;">, phone or text:</span><a href="stcall://912284664498/" style="color: #ff6600; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;">, fax:</span><a href="stcall://918884158922/" style="color: #ff6600; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;">, FaceBook </span><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;">. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span><br style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;" /><br style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;" /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;">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…</span><br style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;" /><br style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;" /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;">We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.</span><br style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15.972px;" /><span style="color: #222222; font-family: arial, helvetica, sans-serif; font-size: 15.972px;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="color: #222222; font-family: arial, helvetica, sans-serif; font-size: 15.972px;" /><span style="color: #222222; font-family: arial, helvetica, sans-serif; font-size: 15.972px;">#trustedchoice #southgroup</span><br style="color: #222222; font-family: arial, helvetica, sans-serif; font-size: 15.972px;" /><span style="color: #222222; font-family: arial, sans-serif; font-size: 15.972px; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></p>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-88480582666816722582022-01-17T14:46:00.007-06:002022-01-17T14:50:54.120-06:00Restaurant Insurance - How to Find the Best Coverage and Prociing<p><span style="background-color: white;"><span style="color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="font-size: 1.1rem;">If cooking is your passion and you want to make money with a </span><span style="font-size: 17.6px;">restaurant</span><span style="font-size: 1.1rem;">, </span></span></span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">you need an insurance policy that will cover every risk on the menu. Our <a href="http://www.southgroupgulfcoast.com" target="_blank">independent</a></span><a href="http://www.southgroupgulfcoast.com" target="_blank"><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> </span><span style="color: #035096; font-family: Roboto, -apple-system, BlinkMacSystemFont, Segoe UI, Helvetica Neue, Arial, Noto Sans, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="box-sizing: border-box; font-size: 1.1rem; transition-duration: 0.15s; transition-property: color; transition-timing-function: ease-in-out;">insurance agents</span></span></a><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> </span><span style="background-color: white; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";"><span style="color: #030303;"><span style="font-size: 1.1rem;">will search to find the right coverage to keep your business up and running. As a <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a> 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 <a href="http://www.trustedchoice.com" target="_blank">Trusted Choice</a>.</span><span style="font-size: 17.6px;"><br /></span></span></span><span style="background-color: white; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";"><span style="color: #030303;"><span style="font-size: 17.6px;"><br /></span></span><span style="color: #062974;"><span style="font-size: calc(1.3rem + 0.6vw);">Why Do I Need Restaurant Insurance?</span><span style="font-size: 25px;"><br /></span></span></span><span style="background-color: white; box-sizing: border-box; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";"><span style="color: #062974;"><span style="font-size: 25px;"><br /></span></span><span style="color: #030303;"><span style="font-size: 1.1rem; font-weight: bolder;">You could lose your stuff:</span></span></span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> Damage or loss of your property, equipment, and inventory.<br /><br /></span><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; font-weight: bolder;">You could be sued:</span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> A drunk-driving accident caused by an overserved customer.<br /></span><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"><br /><span style="font-weight: bolder;">You could make a mistake:</span></span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> Food poisoning caused by improper handling of ingredients.<br /><br /></span><span style="background-color: white; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";"><span style="color: #062974;"><span style="font-size: calc(1.3rem + 0.6vw);">What Does Restaurant Insurance Cover?</span><span style="font-size: 25px;"><br /></span></span></span><span style="background-color: white; box-sizing: border-box; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";"><span style="color: #062974;"><span style="font-size: 25px;"><br /></span></span><span style="color: #030303;"><span style="font-size: 1.1rem; font-weight: bolder;">Property:</span></span></span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> This covers your business’s physical assets, from buildings to furnishings. It usually includes coverage for fire, natural disasters and theft.<br /></span><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"><br /><span style="font-weight: bolder;">Spoilage:</span></span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> This covers any inventory that spoils in a power outage or similar mishap.<br /><br /></span><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; font-weight: bolder;">General liability: </span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">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.)<br /><br /></span><a href="https://www.trustedchoice.com/business-insurance/liability/liquor/" style="box-sizing: border-box; color: #035096; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Liquor liability:</span></a><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> If you sell alcohol, this covers costs related to someone becoming intoxicated at your restaurant and hurting themselves or someone else</span></p><p><a href="https://www.trustedchoice.com/business-insurance/workers-compensation/" style="box-sizing: border-box; color: #035096; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Workers compensation:</span></a><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> This covers your employees’ medical treatment and lost wages if they get injured on the job.</span></p><p><a href="https://www.trustedchoice.com/business-insurance/liability/garagekeepers/" style="box-sizing: border-box; color: #035096; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Garagekeepers:</span></a><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> If you have a valet service, this covers damage to customers’ cars that may result.</span></p><p><a href="https://www.trustedchoice.com/business-insurance/coverage-types/equipment-breakdown/" style="box-sizing: border-box; color: #035096; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; transition: color 0.15s ease-in-out 0s;"><span style="box-sizing: border-box; font-weight: bolder;">Boiler and machinery</span></a><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; font-weight: bolder;"> (equipment breakdown):</span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> This covers repair and replacement costs for your equipment under a wide variety of circumstances, including power surges and mechanical breakdowns.</span></p><p><span style="background-color: white; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw);">How Much Does Restaurant Insurance Cost?</span></p><p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">On average:</span></p><p><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; font-weight: bolder;">Small restaurants and food stands:</span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> A few thousand dollars per year. </span></p><p><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; font-weight: bolder;">Large, high-end restaurants:</span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> Potentially over ten thousand dollars per year. </span></p><p><span style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; font-weight: bolder;">Chain restaurants:</span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> Premiums can vary, but will cost the most due to sheer numbers.</span></p><p><span style="background-color: white; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw);">Comparing Restaurant Insurance Quotes</span></p><p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">Our <a href="http://www.southgroupgulfcoast.com" target="_blank">agents </a>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. </span></p><p><span style="background-color: white; color: #062974; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: calc(1.3rem + 0.6vw);">What's So Great About Independent Insurance Agents?</span></p><p><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">Independent</span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> </span><a href="https://www.trustedchoice.com/find-an-agent/" style="box-sizing: border-box; color: #035096; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem; transition: color 0.15s ease-in-out 0s;">insurance agents</a><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;"> </span><span style="background-color: white; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.1rem;">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. </span></p><div class="post-body entry-content" id="post-body-4386106108869991526" itemprop="description articleBody" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 1.4; position: relative; width: 590px;"><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="line-height: 1.4; position: relative; width: 590px;">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 <a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a> , 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: <a href="mailto:info@southgroupgulfcoast.com" target="_blank"><span style="color: #249fa3;">i</span>nfo@southgroupgulfcoast.com</a>, phone or text:<a href="stcall://912284664498/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a>, fax:<a href="stcall://918884158922/" style="color: #ff6600; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a>, FaceBook <a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>. We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.<br /><br />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…<br /><br />We serve Mississippi, Louisiana, Alabama, Florida, Georgia, Tennessee, Texas and many other states. We specialize in coastal exposures.<br /><span style="font-family: arial, helvetica, sans-serif;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, helvetica, sans-serif;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif;" /><span style="font-family: arial, sans-serif; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoneyoninsurance</span></div><div style="clear: both;"></div></div><div class="post-footer" style="background-color: #f9f9f9; border-bottom: 1px solid rgb(238, 238, 238); color: #666666; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 1.6; margin: 20px -2px 0px; padding: 5px 10px;"><div class="post-footer-line post-footer-line-1"><br /></div></div><div><div style="background-color: white; box-sizing: border-box; color: #030303; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; margin: 3rem 0px;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><div><div style="box-sizing: border-box; margin: 3rem 0px;"><div class="icon-list-single-right-caret" style="box-sizing: border-box;"><div><p style="box-sizing: border-box; font-size: 1.1rem; line-height: 1.8; margin-bottom: 1.5rem; margin-top: 0px;"><br /></p></div></div></div></div></div></div></div><div class="videoWrapper youtube-lazy-load embed-responsive embed-responsive-16by9" data-embed-url="https://www.youtube.com/embed/2FPw8C8vmlk" style="background-color: white; box-sizing: border-box; color: #030303; cursor: pointer; font-family: Roboto, -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 3rem 0px; max-width: 500px; overflow: hidden; padding: 0px; position: relative; width: 500px;"></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-52929065836760837272021-12-04T21:14:00.000-06:002021-12-04T21:14:23.405-06:00Home Sweet Home insurance - Protection for your biggest investment!<p> Most standard homeowners insurance policies include four essential types of coverage:</p><ol><li>Coverage for the structure of your home</li><li>Coverage for your personal belongings</li><li>Liability protection</li><li>Additional living expenses if you are temporarily unable to live in your home because of an insured disaster</li></ol><h2>1. The Structure of Your House</h2>Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.<br />Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of your home.<br /><h2>2. Your Personal Belongings</h2>Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance on the structure of your home. The best way to determine if this is enough coverage is to conduct a home inventory.<br />The I.I.I. offers a free home inventory tool that lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit <span style="color: #0000ee;"><u>https://www.iii.org/article/how-create-home-inventory</u></span><br />Personal belongings coverage includes items stored off-premises— this means you are covered anywhere in the world. Some companies limit the amount to 10 percent of the amount of insurance you have for your possessions. You also have up to $500 of coverage for unauthorized use of your credit cards.<br />Expensive items like jewelry, furs, art, collectibles and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, purchase a special personal property endorsement or floater and insure the item for its officially appraised value.<br />Trees, plants and shrubs are also covered under standard homeowners insurance—generally for about $500 per item. Trees and plants are not covered for damage by wind or disease.<br /><h2>3. Liability protection</h2>Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy <em>your</em> rug, you’re out of luck.)<br />The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.<br />Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella or excess liability policy, which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits.<br />Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses are paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.<br /><h2>4. Additional living expenses (ALE)</h2>ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.<br />Keep in mind that the ALE coverage in your homeowners policy has limits—and some policies include a time limitation. However, you can generally increase the amount of ALE coverage for an additional premium.<br />Your ALE coverage limit is <em>separate</em> from the amount available to rebuild or repair your home. Even if you use up your ALE your insurance company will still pay the full cost of rebuilding your home up to the policy limit.<br />If you rent out part of your house, ALE also covers you for the rent that you would have collected from your tenant if your home had not been destroyed.<br /><br />source: www.iii.org<br /><br />We are your LOCAL <a href="http://www.southgroupgulfcoast.com/" target="_blank"><span style="color: blue;">Trusted Choice</span></a><span face=""arial" , "helvetica" , sans-serif"> Advisors, SouthGroup-Gulf Coast </span><a href="http://www.southgroupgulfcoast.com/"><span lang="EN" style="color: blue; mso-ansi-language: EN;">http://www.southgroupgulfcoast.com</span></a><span lang="EN" style="color: #222222; line-height: 18.4px;"><span face=""arial" , "helvetica" , sans-serif"> , SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Eagle, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Mark Strickland, and Michael Scardino at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: </span><a href="https://www.blogger.com/null"><span style="color: blue;"><span face=""arial" , "helvetica" , sans-serif">info@southgroupgulfcoast.com</span></span></a><span face=""arial" , "helvetica" , sans-serif">, phone: 228-466-4498 fax:888-415-8922, FaceBook </span></span><span style="color: #222222; line-height: 18.4px;"><a href="http://www.facebook.com/southgroup.gulfcoast"><span lang="EN" style="color: blue; mso-ansi-language: EN;">www.facebook.com/southgroup.gulfcoast</span></a></span><span face=""arial" , "helvetica" , sans-serif"><span lang="EN" style="color: #222222; line-height: 18.4px;">, or Twitter </span><span style="color: #222222; line-height: 18.4px;"><a href="http://www.twitter.com/atreutel"><span lang="EN" style="color: blue; mso-ansi-language: EN;">www.twitter.com/atreutel</span></a></span><span lang="EN" style="color: #222222; line-height: 18.4px;"> ! </span></span><span style="color: #222222; line-height: 18.4px;"><br /><br /><span face=""arial" , "helvetica" , sans-serif"><span face=""arial" , "helvetica" , sans-serif">We have Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.</span></span></span><br /><br /><br /><div class="post-body entry-content" id="post-body-2502702363199914817" itemprop="description articleBody"><div style="background: white; margin: 0in 0in 10pt;"><span face=""arial" , "sans-serif"" style="color: #222222; line-height: 18.4px;"><span face=""arial" , "helvetica" , sans-serif"><span face=""arial" , "helvetica" , sans-serif"><span face=""arial" , "helvetica" , sans-serif"><span style="font-size: xx-small;">Insurance is stressful, but we make saving easy. We help you save money on insurance!<br />#trustedchoice #southgroup<br /><span face=""arial" , "sans-serif"" style="color: #222222; line-height: 11.5px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></span></span></span></span></span></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-43861061088699915262021-09-03T09:09:00.001-05:002021-09-03T09:11:44.053-05:00 Swimming Pools - and Safety and Liability Exposure and How to Protect Yourself!<p> <span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 22px;">Swimming Pools - and Safety and Liability Exposure and How to Protect Yourself!</span></p><div class="post-header" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 10.8px; line-height: 1.6; margin: 0px 0px 1.5em;"><div class="post-header-line-1"></div></div><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="background-color: white; line-height: 1.4; position: relative; width: 590px;"><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">The Insurance Information Institute offers an educational video on Pool and Spa Safety </span></span><span style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">https://www.iii.org/video/swimming-pool-safety. </span></span><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;"> The hot temperatures make everyone want to relax in a pool.</span></span><br /><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">You may not realize it, but while pools are very inviting, they can also be dangerous, so there are several things you should do to ensure safe fun:</span></span><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">+ Keep the pool behind a fence</span></span><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">+ Empty portable pools when not in use or cover a larger pool</span></span><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">+ Always supervise children in a pool</span></span><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">+ Teach your children to swim and float, and basic water safety</span></span><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">+ Don't leave toys in the pool, because that attracts children</span></span><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">+ Limit alcohol use around pools and excessive heat</span></span><br /><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">There are many pool safety videos and ideas at </span></span><a href="http://poolsafety.gov/" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;">PoolSafety.gov</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;"> and </span></span><a href="https://poolonomics.com/pool-safety" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;">https://poolonomics.com/pool-safety</a><a href="https://poolonomics.com/pool-safety" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" target="_blank">https://poolonomics.com/pool-safety</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">/.</span></span><br /><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">You are liable if someone drowns or is injured in your pool even if you did not give them permission to use the pool. Make sure your </span></span><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" target="_blank">Trusted Choice agent</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;"> knows you have a pool so that the liability coverage may be added to your home policy. Some insurance carriers exclude pool liability coverage, so your agent may have to assist you in obtaining separate coverage. A good practice is to carry at least $300,000 liability and umbrella coverage, if you own a pool.</span></span></div><div class="post-body entry-content" id="post-body-8366992157310338377" itemprop="description articleBody" style="background-color: white; line-height: 1.4; position: relative; width: 590px;"><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;"><br />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 </span></span><a href="http://www.southgroupgulfcoast.com/" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;">http://www.southgroupgulfcoast.com/</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;"> , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Joshua Coyne, Michael Scardino. and Whitney Zimmerman Webb at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: </span></span><a href="mailto:atreutel@southgroup.net" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;">atreutel@southgroup.net</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;"> , phone or text:</span></span><a href="stcall://912284664498/" style="color: #ff6600; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" title="ShoreTel Web Dialer: 912284664498">228-466-4498 or 228-385-1177</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">, fax:</span></span><a href="stcall://918884158922/" style="color: #ff6600; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" title="ShoreTel Web Dialer: 918884158922">888-415-8922</a><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">, FaceBook </span></span><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #249fa3; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;">www.facebook.com/southgroup.gulfcoast</a>.<span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;"> We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.</span></span><br /><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">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…</span></span><br /><br /><span style="color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-size: 13.2px;">We serve Mississippi, Louisiana, Alabama, Florida, Texas and many other states. We specialize in coastal exposures.</span></span><br /><span style="color: #222222; font-family: arial, helvetica, sans-serif; font-size: xx-small;">Insurance is stressful, but we make saving easy. We help you save money on insurance!</span><br style="font-family: arial, helvetica, sans-serif; font-size: xx-small;" /><span style="color: #222222; font-family: arial, helvetica, sans-serif; font-size: xx-small;">#trustedchoice #southgroup</span><br style="font-family: arial, helvetica, sans-serif; font-size: xx-small;" /><span style="color: #222222; font-family: arial, sans-serif; font-size: xx-small; line-height: 10.35px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0tag:blogger.com,1999:blog-3799285850839866216.post-61133063438735086242021-08-01T07:00:00.013-05:002021-08-01T07:00:00.200-05:00Hurricane Warning - Are You Ready for Your Insurance Claim?<p>There are actions that should be taken before, during and after a hurricane or tropical storm. While some of us are more experienced than we'd like to be, others may not be fully aware how to prepare for a hurricane. Some preparations may seem like common sense, but in the danger of the moment, we sometimes forget the simplest of things as we rush to safety. The first thing to do is make yourself a check list, so that when you are in a rush, you can be sure you haven't forgotten anything important! Below are some suggestions for your checklist:</p><ul><li>Have a mapped out evacuation route</li><br /><div align="LEFT" dir="LTR"><li>Determine your evacuation location and be sure it is pet friendly if bringing your furry family</li><br /><div align="LEFT" dir="LTR"><li>Learn School Emergency Plans for your children</li><br /><div align="LEFT" dir="LTR"><li>Pack/carry all of your important and irreplaceable documents (including insurance, medical documents, passports and photos)</li><br /><div align="LEFT" dir="LTR"><li>Take a quick inventory of your possessions that you are not taking, photograph these if possible</li><br /><div align="LEFT" dir="LTR"><li>Make sure all windows and doors are locked and protected as best as possible</li><br /><div align="LEFT" dir="LTR"><li>Make sure all vehicles not taking the journey are safely stored to avoid flood damage or falling objects</li><br /><div align="LEFT" dir="LTR"><li>Pack a disaster supplies kit including: Water, snacks, batteries, transistor radio, flashlight, first aid, towelettes, can opener, maps, medications, personal needs</li><br /><div align="LEFT" dir="LTR"><li>Pack a multi-purpose tool</li><br /><div align="LEFT" dir="LTR"><li>Carry a list of all of your emergency contacts</li><br /><div align="LEFT" dir="LTR"><li>Carry extra cash, your credit cards are not always able to be used if power is out</li><br /><div align="LEFT" dir="LTR"><li>Pack an extra set of keys to your home and vehicles</li><br /><div align="LEFT" dir="LTR"><li>Pack insect repellant and sun block</li><br /><div align="LEFT" dir="LTR"><li>Be sure to carry a camera with you, so that when you return you are able to photograph any damage</li><br /></div></div></div></div></div></div></div></div></div></div></div></div></div></ul>Some other important things to consider are how to prepare your surroundings. Remember to trim those tree branches which may be a threat to you or your neighbor's property in the event of heavy winds. If you own a boat, make sure it is secured. Any loose lawn furniture or decorations should be placed inside your home to avoid becoming projectiles. Help your neighbors do the same!<br />When evacuating, be sure to avoid flooded roads. Keep your radio tuned to local stations or carry an NOAA weather radio. Fortunately, in Hancock County we our own local radio station created for emergency situations in our area. As long as you are local, you may tune in to 103.5FM and when you are able you can also listen to this station streaming online. <div><br /></div><div>After the storm, you will need to assess the damage to your home and estimate the cost to repair. It may be best to request an official estimate from a roofing or other contractor. If the estimated repair cost exceeds your deductible, you may file a claim with your insurance agent or directly with your insurance company as outlined in your policy document. Your Trusted Choice Agent is available to assit you through the process, but remember that the adjuster is the person who will answer your coverage questions and document your account for the company to send your settlement check. Make your adjusters job as easy as possible by taking pictures and retaining all receipts. You are obligated by your policy contract to take appropriate measures to protect damage from getting worse, so do what you need to do but take pictures prior to making any changes. Do not destroy the evidence of your damage before your adjuster can review, because that will detrimentally impact your claim settlement. </div><div><br /></div><div><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-family: arial, helvetica, sans-serif;"><span style="line-height: 14.95px;">Your <a href="http://www.southgroupgulfcoast.com/" style="color: #7c93a1; text-decoration-line: none;" target="_blank"><span style="color: blue;">Trusted Choice</span></a> Insurance Agent, <a href="http://www.southgroupgulfcoast.com/" style="color: #7c93a1; text-decoration-line: none;" target="_blank"><span style="color: blue;">SouthGroup Insurance Gulf Coast</span></a> 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 3 convenient coastal locations! </span></span></span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: x-small;"><span style="font-family: arial, helvetica, sans-serif;"><span style="line-height: 14.95px;"><br /></span></span></span><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;">We are your LOCAL </span><a href="http://www.southgroupgulfcoast.com/" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" target="_blank"><span style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">Trusted Choice</span></span></a><span style="background-color: white; color: #222222; font-family: arial, helvetica, sans-serif; font-size: 13.2px;"> Advisors, SouthGroup-Gulf Coast </span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: arial, helvetica, sans-serif; font-size: 13.2px;"> </span><a href="http://www.southgroupgulfcoast.com/" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;"><span lang="EN" style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">http://www.southgroupgulfcoast.com</span></span></a><span lang="EN" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; line-height: 18.4px;"><span style="font-family: arial, helvetica, sans-serif;"> , SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Webb at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: </span><a href="mailto:info@southgropugulfcoast.com" style="color: #7c93a1; text-decoration-line: none;"><span style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">info@southgropugulfcoast.com</span></span></a><span style="font-family: arial, helvetica, sans-serif;"> , phone: 228-466-4498 fax:888-415-8922, FaceBook </span></span><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; line-height: 18.4px;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #7c93a1; text-decoration-line: none;"><span lang="EN" style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">www.facebook.com/southgroup.gulfcoast</span></span></a></span><span style="background-color: white; color: #222222; font-family: arial, helvetica, sans-serif; font-size: 13.2px;"><span lang="EN" style="line-height: 18.4px;">, or Twitter </span><span style="line-height: 18.4px;"><a href="http://www.twitter.com/atreutel" style="color: #7c93a1; text-decoration-line: none;"><span lang="EN" style="color: blue;">www.twitter.com/atreutel</span></a></span><span lang="EN" style="line-height: 18.4px;"> ! </span></span><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; line-height: 18.4px;"><br /><br /><span style="font-family: arial, helvetica, sans-serif;">We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.</span></span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><div style="background: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; margin: 0in 0in 10pt;"><span style="font-family: arial, sans-serif; line-height: 18.4px;"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: xx-small;">Insurance is stressful, but we make saving easy. We help you save money on insurance!<br />#trustedchoice #southgroup<br /><strong></strong><span style="font-family: arial, sans-serif; line-height: 11.5px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></span></span></span></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com1tag:blogger.com,1999:blog-3799285850839866216.post-73486438966318062452021-07-01T07:00:00.005-05:002021-07-01T07:00:00.250-05:00Swimming Pool Liability and Swimming Pool Safety<p>It's July and Baby it's HOT HOT HOT -- time for a jump in the swimming pool! The Insurance Information Institute just completed their Pool Safety Campaign and offer an educational video on Pool and Spa Safety <a href="https://www.iii.org/video/swimming-pool-safety" target="_blank">https://www.iii.org/video/swimming-pool-safety</a>. Many areas of the nation are reaching 100 degrees or higher! It's so hot that everyone wants to relax in a pool.</p><br />You may not realize it, but pools are very dangerous for young children, so there are several things you should do to ensure safe fun:<br />+ Keep the pool behind a fence<br />+ Empty portable pools when not in use or cover a larger pool<br />+ Always supervise children in a pool<br />+ Teach your children to swim and float, and basic water safety<br />+ Don't leave toys in the pool, because that attracts children<br />+ Limit alcohol use around pools and excessive heat<br /><br />There are many pool safety videos and ideas at <span style="color: #0000ee;"><u>https://www.parents.com/kids/safety/outdoor/pool-drowning-safety-tips-for-parents/ </u></span><br /><br />You are liable if someone drowns or is injured in your pool even if you did not give them permission to use the pool. Make sure your <a href="http://www.southgroupgulfcoast.com/" target="_blank">Trusted Choice agent</a> knows you have a pool so that the liability coverage may be added to your home policy. Some insurance carriers exclude pool liability coverage, so your agent may have to assist you in obtaining separate coverage. A good practice is to carry at least $300,000 liability and umbrella coverage, if you own a pool.<div><br /></div><div><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222;"><span face="arial, helvetica, sans-serif"><span style="line-height: 14.95px;">Your <a href="http://www.southgroupgulfcoast.com/" style="color: #7c93a1; text-decoration-line: none;" target="_blank"><span style="color: blue;">Trusted Choice</span></a> Insurance Agent, <a href="http://www.southgroupgulfcoast.com/" style="color: #7c93a1; text-decoration-line: none;" target="_blank"><span style="color: blue;">SouthGroup Insurance Gulf Coast</span></a> 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 3 convenient coastal locations! </span></span></span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: x-small;"><span face="arial, helvetica, sans-serif"><span style="line-height: 14.95px;"><br /></span></span></span><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;">We are your LOCAL </span><a href="http://www.southgroupgulfcoast.com/" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" target="_blank"><span style="color: blue;"><span face="arial, helvetica, sans-serif">Trusted Choice</span></span></a><span face="arial, helvetica, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;"> Advisors, SouthGroup-Gulf Coast </span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span face="arial, helvetica, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;"> </span><a href="http://www.southgroupgulfcoast.com/" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;"><span lang="EN" style="color: blue;"><span face="arial, helvetica, sans-serif">http://www.southgroupgulfcoast.com</span></span></a><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" lang="EN" style="background-color: white; color: #222222; font-size: 13.2px; line-height: 18.4px;"><span face="arial, helvetica, sans-serif"> , SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Web bat SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: </span><a href="mailto:info@southgropugulfcoast.com" style="color: #7c93a1; text-decoration-line: none;"><span style="color: blue;"><span face="arial, helvetica, sans-serif">info@southgropugulfcoast.com</span></span></a><span face="arial, helvetica, sans-serif"> , phone: 228-466-4498 fax:888-415-8922, FaceBook </span></span><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px; line-height: 18.4px;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #7c93a1; text-decoration-line: none;"><span lang="EN" style="color: blue;"><span face="arial, helvetica, sans-serif">www.facebook.com/southgroup.gulfcoast</span></span></a></span><span face="arial, helvetica, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px;"><span lang="EN" style="line-height: 18.4px;">, or Twitter </span><span style="line-height: 18.4px;"><a href="http://www.twitter.com/atreutel" style="color: #7c93a1; text-decoration-line: none;"><span lang="EN" style="color: blue;">www.twitter.com/atreutel</span></a></span><span lang="EN" style="line-height: 18.4px;"> ! </span></span><span face="Arial, Tahoma, Helvetica, FreeSans, sans-serif" style="background-color: white; color: #222222; font-size: 13.2px; line-height: 18.4px;"><br /><br /><span face="arial, helvetica, sans-serif">We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.</span></span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><div style="background: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; margin: 0in 0in 10pt;"><span face="arial, sans-serif" style="line-height: 18.4px;"><span face="arial, helvetica, sans-serif"><span style="font-size: xx-small;">Insurance is stressful, but we make saving easy. We help you save money on insurance!<br />#trustedchoice #southgroup<br /><strong></strong><span face="arial, sans-serif" style="line-height: 11.5px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></span></span></span></div></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com1tag:blogger.com,1999:blog-3799285850839866216.post-84610923659106139972021-06-01T07:00:00.001-05:002021-06-01T07:00:00.231-05:00Peak Flood Season is Upon Us!! Don't Let Your Flood Insurance Lapse!<p>FEMA keeps changing the rules! And remember, a forgotten payment could really be a disaster!<br /><br />The Moral of the Story - DON'T LET YOUR FLOOD INSURANCE POLICY LAPSE!!<br /><br />The Short Version - <br />a) Flood gives you a 30 day grace period for payment, if you pay, your policy is in good shape.<br />b) If your payment is late between 30 and 90 days, you can get your policy reinstated (<u>only one late pay allowed during the life of your policy!</u>)<br />c) If payment received over 90 days past due, or you pay late for the second time, you lose your policy and have to start over --- the rates may be THOUSANDS higher :(<br /><br />The Long Version -<br /><u>A lapse is defined as</u>:<br />1) Premium paid after the policy's 30 day grace period ends, but is paid within the 90 days of the policy's expiration (effective) date.<br />*this first offense forgiven, but not forgotten<br /> OR<br />2) Premium paid after 90 days past the policy's expiration (effective) date.<br /><br />Payment made within the 30 day grace period do not constitute a lapse. However, a payment made after the grace period expires will trigger the Lapse rule to become active, and the following outcomes applied:<br /><br /><u>Policy A</u> Premium Due Date<span class="Apple-tab-span" style="white-space: pre;"> </span>Premium paid within 30 days (the grace period)<span class="Apple-tab-span" style="white-space: pre;"> </span><br /> No Lapse<span class="Apple-tab-span" style="white-space: pre;"> </span>Policy keeps the same rating criteria and effective date<br /><u>Policy B</u> Premium Due Date<span class="Apple-tab-span" style="white-space: pre;"> </span>Premium paid after 30- day grace period BUT within 90 days of the policy expiration date<span class="Apple-tab-span" style="white-space: pre;"> </span><br /> First Lapse occurs- No change in rating, but policy is flagged and lapse is reported to the <br /> NFIP<span class="Apple-tab-span" style="white-space: pre;"> </span><br /> Policy will renew and the effective date will be 30 days from the date the renewal <br /> premium is received.<br /><u>Policy B</u> Premium Due Date<span class="Apple-tab-span" style="white-space: pre;"> </span>Premium paid after 30 day grace period BUT within 90 days of the policy expiration date<span class="Apple-tab-span" style="white-space: pre;"> </span>Second Lapse occurs (anytime during the life of the policy)<br /> Policy is re-rated <span class="Apple-tab-span" style="white-space: pre;"> </span> Policy will not renew. A new policy will be issued and the effective date will be 30 days from the date the premium and, in some cases a new application may be required, is received (see below).<br /><br /><u>Policy C </u>Premium Due Date<span class="Apple-tab-span" style="white-space: pre;"> </span>Premium paid after 90 days or more from the policy expiration date<span class="Apple-tab-span" style="white-space: pre;"> </span>Policy fully Lapsed -noted as expired or cancelled <br /> New Application required</p><p><span class="Apple-tab-span" style="white-space: pre;"> </span>New Policy: a new application will be required and the standard waiting period rules apply.</p><p><br /></p><div style="text-align: left;"><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><span style="font-family: arial, helvetica, sans-serif;"><span style="line-height: 14.95px;">Your <a href="http://www.southgroupgulfcoast.com/" style="color: #7c93a1; text-decoration-line: none;" target="_blank"><span style="color: blue;">Trusted Choice</span></a> Insurance Agent, <a href="http://www.southgroupgulfcoast.com/" style="color: #7c93a1; text-decoration-line: none;" target="_blank"><span style="color: blue;">SouthGroup Insurance Gulf Coast</span></a> 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 coastal locations! </span></span></span></div><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: x-small;"><span style="font-family: arial, helvetica, sans-serif;"><span style="line-height: 14.95px;"><br /></span></span></span><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;">We are your LOCAL </span><a href="http://www.southgroupgulfcoast.com/" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;" target="_blank"><span style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">Trusted Choice</span></span></a><span style="background-color: white; color: #222222; font-family: arial, helvetica, sans-serif; font-size: 13.2px;"> Advisors, SouthGroup-Gulf Coast </span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: arial, helvetica, sans-serif; font-size: 13.2px;"> </span><a href="http://www.southgroupgulfcoast.com/" style="background-color: white; color: #7c93a1; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; text-decoration-line: none;"><span lang="EN" style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">http://www.southgroupgulfcoast.com</span></span></a><span lang="EN" style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; line-height: 18.4px;"><span style="font-family: arial, helvetica, sans-serif;"> , SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Webb at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: </span><a href="mailto:info@southgropugulfcoast.com" style="color: #7c93a1; text-decoration-line: none;"><span style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">info@southgropugulfcoast.com</span></span></a><span style="font-family: arial, helvetica, sans-serif;"> , phone: 228-466-4498 fax:888-415-8922, FaceBook </span></span><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; line-height: 18.4px;"><a href="http://www.facebook.com/southgroup.gulfcoast" style="color: #7c93a1; text-decoration-line: none;"><span lang="EN" style="color: blue;"><span style="font-family: arial, helvetica, sans-serif;">www.facebook.com/southgroup.gulfcoast</span></span></a></span><span style="background-color: white; color: #222222; font-family: arial, helvetica, sans-serif; font-size: 13.2px;"><span lang="EN" style="line-height: 18.4px;">, or Twitter </span><span style="line-height: 18.4px;"><a href="http://www.twitter.com/atreutel" style="color: #7c93a1; text-decoration-line: none;"><span lang="EN" style="color: blue;">www.twitter.com/atreutel</span></a></span><span lang="EN" style="line-height: 18.4px;"> ! </span></span><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; line-height: 18.4px;"><br /><br /><span style="font-family: arial, helvetica, sans-serif;">We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.</span></span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><p></p><div style="background: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px; margin: 0in 0in 10pt;"><span style="font-family: arial, sans-serif; line-height: 18.4px;"><span style="font-family: arial, helvetica, sans-serif;"><span style="font-size: xx-small;">Insurance is stressful, but we make saving easy. We help you save money on insurance!<br />#trustedchoice #southgroup<br /><strong></strong><span style="font-family: arial, sans-serif; line-height: 11.5px;">#southgroup @stateauto @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel</span></span></span></span></div>Angelyn T Zeringuehttp://www.blogger.com/profile/03000281164883525656noreply@blogger.com0