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The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

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  P.O. Box 374
Ball Ground, GA 30107

The Sanford Group Insurance Blog

What Are Some Common Exclusions In Commercial Insurance Policies?

Whether you are a large enterprise or a small business, you need a commercial insurance policy. However, standard business insurance only offers basic coverage, while many other risks your company might face aren’t covered. To get adequate business insurance, you must purchase specialty insurance for the excluded risks. Some common business insurance exclusions are:

1. Personal Property Used for Business Purposes

Some businesses have their employees use their personal properties for business purposes. For example, staff using their personal computer or car to perform business tasks. A standard commercial property or auto policy won’t cover damage to an employee’s personal property like a laptop or car. If your employees use their private vehicles for business errands in Ball Ground, GA, you should get non-owned commercial car insurance. 

2. Damage From Rust, Corrosion, or Normal Wear and Tear

Commercial equipment insurance is a vital commercial coverage if your company relies heavily on equipment to facilitate its operations. This coverage is supposed to cover the cost of repairing the equipment if it’s damaged, totaled, or stolen. However, damage resulting from rust, corrosion, or natural wear and tear is excluded from this coverage. At The Sanford Group, we recommend that you regularly maintain your company equipment to prevent rust and corrosion and reduce the rate of normal wear and tear. 

3. Terrorism and War

The threat of terrorism is currently an everyday reality. However, the commercial insurance you have for your enterprise doesn’t cover damage to business property due to terrorism. Additionally, it excludes damage to your company property due to war. 

4. Harm From Government Operations

The government regularly undertakes activities that affect businesses, such as military operations, building roads, and dumping nuclear waste. If your business is affected by government activity, your commercial policy won’t compensate you. Instead, it will be up to the government to compensate you. 

The Sanford Group offers unrivaled insurance assistance in Ball Ground, GA. Call us today.

Do I Need Life Insurance If I Have No Dependents?

Life insurance is meant to protect the financial well-being of your dependents after your death. If you have don’t dependents, you are likely wondering whether you still need life insurance. The Sanford Group advises our clients with no dependants to purchase life insurance. Here’s why life insurance can still benefit you despite having no dependents.

1. Pay For Your Medical Bills

Your medical bills can be enormous depending on how your death comes about. Suppose you die after months of receiving critical care for a chronic ailment like cancer or after weeks of being on life support after a severe accident. In that case, you will be leaving behind massive medical bills. The settlement can be used to clear the medical bills if you have life insurance.

You should know that whether you have life insurance or not might also influence the quality of medical care you receive before your death. Some hospitals might be reluctant to offer you the best possible care if you lack life insurance because they don’t want to be left with a massive unpaid medical bill after you die.

2. Clear Your Debts

Besides clearing your medical bills, having life insurance will also help clear other debts after your death, although you have no dependents. This includes credit card debts, student loan debts, and the debt you owe to your friends and acquaintances.

3. Pay Your Funeral Costs

As a Ball Ground, GA resident, you should get final expense life insurance to pay for your funeral costs if you don’t have any dependents. This coverage will enable you to get the final send-off you desire. Moreover, you will eliminate the financial burden of catering for your funeral costs from your friends and acquaintances who will send you off after your death.

Do you seek life insurance in Ball Ground, GA? Contact The Sanford Group today.

New Quarterly Referral Program!

The Sanford Group would like to invite you to take part in our quarterly referral program.

For every referral that mentions you recommended us, your name you will be entered in our quarterly drawing for a $100 gift certificate to a local business. We are choosing a local business because we take pride in being part of our communities and know that our customers do too. Not to mention the best small businesses are right here in our towns and neighborhoods.

This quarters $100 prize is a gift certificate to …Frankfurt Döner and Meats in Ball Ground, GA.

Frankfurt Döner and Meats is a locally owned business selling meats, sausages, chops, and steaks. And if you have not tried their döner sandwich yet, it really is a life changing sandwich.

You do not have to be a current client to send us a referral. All we ask is that referrals be legitimately interested in discussing their insurance and receiving a quote from us. It can be for home, auto, recreational, business or life insurance.

Just have your friends or family call 678-454-0661 or email us and let us know it was you who referred them. You can also forward them this post link with our information.

Who should get umbrella insurance in Georgia?

Liability risk is something that all people in the Ball Ground, GA area should take seriously. As you are looking to offset this risk, it would be a good idea for you to invest in an umbrella insurance plan. There are various reasons why having this type of coverage is a good option for people here. 

Obtain More Coverage for Serious Claims

A common situation when someone wants to have an umbrella insurance plan is when they want to have more coverage. Liability coverage is almost always included in the home or auto plans. While these are good policies, there will always be a chance that a claim could exceed your policy’s limits. When you have an umbrella insurance plan, it will offer the additional coverage you need to mitigate this risk. 

Protect Against Unforeseen Risks

An umbrella insurance plan is also a good option as it can help you protect against unforeseen risks. There are always a lot of potential liability risks that other insurance plans will not cover. Fortunately, you can mitigate this risk by getting an umbrella insurance policy, as it will give you a broad set of liability protections that can give you peace of mind and proper support.

As you are looking for a proper umbrella insurance plan in the Ball Ground, GA area, it would be helpful to call the team with The Sanford Group. There are a lot of choices to make when looking for umbrella coverage, and The Sanford Group will help you build an ideal policy. They can do this by giving customized guidance based on your individual situation. 

Do I Need To Have My Classic Car Appraised?

If you have ever thought about applying for an auto loan to purchase a new car, an appraisal can help you determine the value of your classic car and whether it will be worth the loan. Appraisals can also be helpful if you ever have to file an insurance claim and need to determine the value of your car. 

It’s also vital if you’re considering moving your car across international borders. In the United States, you may need an appraisal if you ever want to register your classic vehicle with the Department of Motor Vehicles. Let The Sanford Group help you at Ball Ground, GA for questions and consultations. 

What Entails Appraising a Classic Car 

Appraising your car will give you a value you can use to compare to the current market. You may also discover issues with your car that you didn’t know existed and decide to have it fixed. Most classic car appraisers will consider the vehicle’s condition when determining its value. They will suggest having the car cleaned before assessment. 

An appraisal can help you determine the value of your car if you ever want to sell it or if there’s ever an issue with your car insurance. It enables you to decide the type of insurance best for your classic car. If you’re just interested in learning more about your car’s value and its historical significance, you may not need to have it assessed. 

Appraising a classic car can be tricky due to the wide range of value it may have. It all depends on the car’s condition, the year it was made, and the options available on that model. To have your classic vehicle appraised, you’ll need to find a reputable appraiser. 

You can start by searching online for professional appraisers in your area. If you’re buying or selling a classic car, it’s a good idea to have it appraised. It will give you a better idea of the car’s value and help you negotiate a fair price. It can range from a few hundred dollars to several thousand dollars. 

Bottomline 

Lenders often require appraisals if you’re buying a car with a loan. It will let you know the car’s value and the likely price you can expect to receive when you sell the car. You can also use an appraisal when you’re buying a car. For help and advice, call The Sanford Group if you live in Ball Ground, GA.

Do You Really Need Personal Liability Insurance?

You may think that personal liability insurance isn’t something you need. However, many individuals can benefit from a personal liability policy in today’s world. At The Sanford Group in Ball Ground, GA, we offer personal liability policies to help you protect your assets. 

What is Personal Liability Insurance? 

Personal liability insurance covers your costs if you are sued due to an accident or negligence. If someone falls on your property, they have the right to sue you for their injuries. 

A judgment against you can be very costly. A personal liability policy protects you in this situation. It will cover any judgment against you up to the coverage limit. 

Types of Personal Liability Insurance 

Personal liability insurance is typically included in insurance policies. If you have homeowner, car, or watercraft insurance, you have personal liability coverage. 

The other type of personal liability coverage is an umbrella policy. If you are liable for an amount that exceeds your primary policy coverage limit, an umbrella policy covers the remainder. It also covers situations not included in your primary policy. 

Who Needs Personal Liability Insurance? 

Most adults need some type of personal liability insurance. If you have a home, car, or watercraft, you’ll need personal liability insurance as part of your insurance policy.

You may need extra personal liability coverage if you have this type of insurance. If you have more than 100,000 in assets, it’s a great idea to have an additional personal liability policy.

What if you don’t have expensive assets? You may still need personal liability insurance. If a judgment is made against you, they can seize any assets you own. 

They can also garnish your wages or take any assets you accumulate in the future. So, you are not just protecting your current financial status. You are also protecting your future. 

Personal Liability Insurance with The Sanford Group

If you need a personal liability policy in Ball Ground, GA, contact us at The Sanford Group. We offer many types of insurance policies to meet all of your insurance needs.

What comes with events insurance in Georgia?

Those in the Ball Ground, GA area can find that hosting an event is a great way to bring people together for a special occasion, a celebration, or a professional event. As you are looking to plan an event here, it would be a good idea to have the right insurance for it. One type of insurance to consider getting here is events insurance. Various types of support can come with this coverage.

Reduce Liability Risk

One of the most important reasons that you should get events insurance in Georgia is so you can reduce your liability risk. As you are looking to plan your event, you may find there are various types of liability risks that can come with hosting an event. A great way to mitigate the concern is by getting an events insurance plan that will include proper liability mitigation and support. 

Cancellation Coverage

While you can plan an event for a long time, there is always a chance something could occur that will require you to cancel the event. You will want to have proper cancellation insurance in place in these situations. When you get an events insurance plan, it will provide cancellation insurance that can give you coverage to reimburse you for any deposits and other costs you may have incurred prior to the event. 

If you want to plan any event, it would always be good to get events insurance to ensure you have proper coverage and protection. As you are looking for this support in the Ball Ground, GA area, it would be wise to call The Sanford Group. With so many options to consider, The Sanford Group can help you ensure you receive proper support to pick the right plan for your situation. 

5 Moments to review your life insurance in Ball Ground, GA

Life is full of changes. Your life insurance policy should be too. The Sanford Group believes that life insurance is never static. Yet even existing policyholders neglect to make the most basic updates to their plan.

Fortunately, the Sanford Group can help. Serving Ball Ground, GA, the agency can create an individualized life insurance policy that best meets your needs. But they can also ensure it stays current. With this in mind, their agents list five life events that require an immediate life insurance review.

Getting married

Walking down the aisle is a significant financial commitment too. When a spouse passes, bills and debt can pile up. Life insurance protects the surviving partner, eliminating some of this financial burden.

Buying a home

Most families need two sources of income. Mortgage payments are especially challenging. Life insurance can supplement earnings, helping your family stay in their home after you’ve passed.

Having a baby

Expecting a baby already leads to a lot of sleepless nights. Life insurance enables you to rest easier. With this coverage, your child’s future is safe and secure.

Starting a company

Life insurance can help owners keep the business in the family. It’s also a sign of stability for potential investors. The lights will stay on even after you’re gone.

Retiring

The primary goal of life insurance is to reduce risk and replace a partner’s lost wages. Both of these aren’t as important during retirement. A pension and Social Security may be enough. For this reason, you might consider decreasing your coverage.

Contact an agency serving Ball Ground, GA.

The Sanford Group knows that life insurance demands more than a "set it and forget it" approach. Serving Ball Ground, GA, their experienced agents can help ensure your policy is up to date. Schedule an appointment today.

What is a business owner’s policy (BOP)?

Commercial insurance can seem confusing to someone opening a new business since it doesn’t consist of just one type of insurance but more than 20 types. Rather than figuring out which of the more than 20 types of commercial insurance your business needs, let The Sanford Group help you decide which types of insurance best suit your business.

Nearly every small business should start with one important type of insurance – the business owners’ policy (BOP). This consists of four policies in one insurance package. Its bundle of coverage costs less than buying each policy separately. These four common policies provide essential coverage for each business.

In a BOP, you’ll find the following policies:

  • business interruption
  • peril
  • property damage
  • liability

Most businesses require these four types of insurance to protect themselves adequately. Peril insurance protects a business from natural hazards and fire that could damage its structure or business property. Property damage coverage reimburses you for damage to business property caused by other means, such as a driver plowing through your front window.

Business interruption insurance reimburses your business when you must close it due to an incident from peril or an accident. This coverage may include funds for paying employees and their benefits.

Liability coverage protects you financially if a client, customer, vendor, or visitor to your business incurs an accident that injures them or you libel an individual. If someone sues you due to negligence on your part that caused an injury to their person, this type of coverage pays the court settlement, court fees, and attorney fees.

Contact The Sanford Group in Ball Ground, GA for help obtaining the business insurance you need to protect your commercial endeavor. Call us today.

Why does anyone in Georgia need to have home insurance?

Anyone that is looking to invest in their future and wants a stable place to call home in the Ball Ground, GA area should consider owning a home. As you are looking for a new home to buy, you also need to make sure that you pick the right insurance plan for it. A home insurance plan is going to be needed for various reasons. 

Coverage is Required

One of the reasons that people should get a home insurance plan is that it is a requirement in many cases. A lot of property owners are going to be required to maintain home insurance by their mortgage lenders. Further, if your home is located within a larger home association, you may be required to maintain certain levels of coverage to be in compliance with the agreements you signed. 

Coverage Protects Property and Owner

Those that are going to buy a home will also want to have a home insurance plan will also need to have coverage due to the protections that it can provide. When you have home insurance, you will have adequate coverage for your home and personal assets. Further, you will obtain personal liability insurance coverage. This will ensure you have support if you are named liable in an accident that results in damages. 

As you are looking for a new home insurance plan in the Ball Ground, GA area, you will want to know that you have proper insurance support. One way that you can ensure you know what your needs and options are, it would be a good idea for you to call The Sanford Group. The team with The Sanford Group will give you guidance that can help ensure you build a plan that is ideal for your situation. 

Additional Services

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