If you have both a home and an auto insurance policy, you may think that you have plenty of liability insurance. However, in many cases, this isn’t true. To find out more about umbrella insurance, call us at The Sanford Group in Ball Ground, GA. 

Liability for Auto Insurance

Most people with auto insurance have liability coverage in their policy. However, it is often a relatively small amount. If you were to have a serious accident, your auto insurance may not cover all of the bills that come in. But with an umbrella insurance policy, you get more liability coverage on top of that policy. The way it works is that after a vehicle accident, the auto insurance policy will pay for the damages, but only until it reaches its maximum. After that, your umbrella insurance policy will come in with its own, much higher, maximum payout. It gives you an extra layer of liability protection that you may need after a serious accident. 

Liability for Home Insurance

Just as it works with your auto insurance, it works with your home insurance. It provides the same service- coming in and paying when your home insurance policy maxes out on its liability coverage. That allows you to have insurance pay for serious accidents that happen on your property instead of you scrambling to come up with the money. It’s a layer of protection that is extremely helpful for those who have both auto and home insurance coverage. 

Get Liability Protection From Umbrella Insurance

Don’t be left vulnerable after a major accident happens. Get your umbrella insurance policy to give yourself the protection you need. Call us today at The Sanford Group in Ball Ground, GA to talk about your current policies and a policy that you may need. 

Vintage, antique, and classic cars are different terms to describe older vehicles. There are different factors for each type of vehicle, so it gets these specific designations like a classic. Classic cars are vehicles that are over 20 years old. Vintage and antique vehicles are usually 45 years and older. Insurance providers have different criteria when considering what can be considered a classic car or not.

The Sanford Group of Ball Ground, GA offers quality insurance for all of your vehicles, including classic cars. We understand the importance of protecting your valuable investment and offer a range of coverage solutions.

Preserving Your Classic Car

Classic cars and collectors vehicles are usually priced higher than other vehicles depending on their rarity and other factors. These cars should be in good condition and well maintained to have value and be considered a classic. Certain types and years of vehicles are sought after for their brand or other features giving them more value. Collectors know the value of classic vehicles and understand why it is crucial to give extra attention to how these cars are taken care of. Protecting and preserving your classic car is critical to maintaining its appearance and value.

Quality Auto Insurance in Ball Ground, GA

If you live in or near Ball Ground, GA, the Sanford Group has expert agents who can help you with any level of coverage for your classic car. We can craft the perfect policy customized to your specific needs. Our agents have years of experience helping customers to stay protected. Contact us today so that you can get a quote and schedule an appointment with one of our representatives.

Life insurance aids in safeguarding your family’s and loved one’s financial future after the death of your spouse or you as the ultimate bearer of the policy. This policy makes sure that your death benefits are given to the beneficiaries that you have chosen. The parameter of weighing whether you require a life insurance policy depends on the individual financial status. Procuring a life insurance policy in Ball Ground GA in Georgia sometimes can be a daunting task. Worry not because our agents at The Sanford Group, located in Ball Ground, GA, can be of great assistance as they will help you land a spectacular life insurance policy.

 The death benefits reimbursed by the insurance after your demise get used to paying for your beneficiary’s college education, paying outstanding medical bills or debts and settling funeral expenses. Regrettably, many Ball Ground GA residents do not possess life insurance. Some choose not to procure a policy because they accrue life insurance benefits courtesy of their employer. Unfortunately, these policies elapse if you exit your job, or you are sacked. Ensure you are always prepared for the worst-case scenario, no matter your work status, by arming yourself with a life insurance policy that meets your needs.

One significant advantage of purchasing a life insurance policy in Ball Ground GA is that the death benefits accrued are not taxed, ensuring that your beneficiaries will enjoy the entire amount. Visit our offices today at The Sanford Group and acquire salient life insurance that will safeguard your family and loved one’s financial future when eventualities strike.

Who needs a life insurance policy?

Every person’s situation is unique as far as landing outstanding life insurance is concerned. Nevertheless, there are some categories of people who seriously need life insurance policy over others:

• Household head.
• Parent in possession of a child with special needs.
• Divorced parents.
• The wealthy individuals.
• Potential business owners.
• Homeowners servicing a mortgage facility

Call or visit us at The Sanford Group offices located at Ball Ground, GA and acquire affordable life insurance coverage options to support your general financial strategy as a policyholder.

In the Ball Ground, GA area there continues to be a lot of opportunities for business owners to be successful. As you are looking to grow a company in this area, you will want to know that it is as secure as possible. A great way that this can be done is by getting insurance for the business. A company in this area will want to have a commercial insurance plan for a few important reasons.

Coverage Protects Company Financial Future

A key reason to have a commercial insurance plan when you are going to start a company in this area of Georgia is that it can protect the financial future of the organization. If you have decided to start a company in this area, you will take on the risk that your business assets could be damaged or stolen or you could be named in a liability claim. As either could be very detrimental, having a proper commercial insurance plan could be a great investment as it will cover these risks. 

Coverage is Required for Many Companies

Many businesses in this area of Georgia will also have commercial insurance requirements that need to be met. A commercial insurance plan is almost always required by landlords, business investors, or bank loan providers. If you do have a commercial insurance requirement set by any of these entities, you will want to know that you are properly to comply with these standards.

Having proper commercial insurance when you are in the Ball Ground, GA area is important. The Sanford Group is a great company to call when you are looking for coverage. The team with The Sanford Group can give the insight you need to determine your insurance needs and match them against your various commercial coverage options when choosing a new plan. 

Residents in the greater Ball Ground, GA community have relied upon The Sanford Group for their insurance needs for some time. In addition to providing insurance coverage for our clients’ protection, we also offer life insurance options that can be impactful financial tools.

Life insurance policy types that can also act as financial tools

Term life insurance may be the most widely-known type of life insurance policy, but it is not the only one available. There are other types that not only provide a death benefit but also provide a benefit while you are living. Whole Life and Universal insurance can provide cash-value in addition to a payout upon your death. 

With these two types of life insurance policies, it is also possible for the policy to accumulate and provide a cash benefit for the policyholder. Your local agent can review all of the features and benefits of these types of policies with you in order to help you make an informed decision.

Today’s life insurance options are wide-ranging and have financial benefits. If you are looking to add life insurance as a financial tool, it is important to understand how the policies work. There are many unique features that are now available and are worth discussing with your agent. Having a diversified financial portfolio with many different types of assets can help protect you from life’s ups and downs. Don’t miss out on having an effective tool like life insurance working for you!

Contact us today to learn more!

The helpful agents at The Sanford Group are proud to service the greater Ball Ground, GA area. If you would like to find out more about the different life insurance policy options that are available in our area, call or stop by today.

As a business owner in Ball Ground, GA, your company faces challenges and risks every day. That’s why you need insurance to protect your business from collapsing on the encounter with these risks. Commercial insurance from The Sanford Group protects your company against theft, vandalism, lawsuits, property damage, loss of income, and employee injuries, among other risks.

Types of Commercial Insurance

If you’re wondering what types of commercial insurance will protect your business, here we got you covered. To determine your best choice, you need to consider factors such as location, size, industry, and the number of employees of your business.

The most common commercial insurance policies are: 

• Liability coverage
• Property coverage
• Workers’ compensation insurance

Liability Policy

Liability coverage protects your business against risks such as bodily injuries, errors and omissions, property damage, and advertising injury. This coverage is necessary for business owners unless they want to pay for losses from their pocket.

Some specific policies that fall under liability coverage include general liability, commercial umbrella, and professional liability insurance.

Workers’ Compensation Insurance

If your business employs three or more workers, it is a legal requirement to have this insurance in Georgia. This coverage helps your business handle claims that may come from workers’ illnesses and injuries. It also includes benefits forwarded to the worker’s family in the case of death.

The cost of workers’ compensation insurance for your business may depend on factors such as payroll size, claims history, and workplace risks.

Property Coverage

About half of small businesses that close due to a natural disaster never reopen. The truth is that most of these businesses lack the financial power to bounce back from a severe case of property damage. It is costly, and that’s what makes this coverage necessary for a business.

Property insurance will protect your business against risks such as theft, storms, and theft.

Protect Your Business With Commercial Insurance Today

Are you living in Ball Ground, GA, and wish to protect the business you’ve worked so hard to build? The Sanford Group is your partner in matters of commercial insurance. Get in touch with us, and let’s see what best deserves your company.