November, 2022 | Blog
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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

Commercial Insurance Protects Your Livelihood – Make Sure You Have It

Suppose you are a business owner living in or around the Ball Ground, GA area. In that case, The Sanford Group can provide the commercial insurance that is so important for the protection of your company.

A significant part of business operations is protecting it from devastating financial loss. Being adequately protected can mean the difference between continued operations and shutting down permanently. A commercial insurance policy is the best investment you can make for your business.

Commercial insurance is typically a one-year contract between the insurance company and the business owner. The insurance company will assume responsibility for the business’s liabilities in exchange for premium payments.

There are many kinds of commercial insurance coverage.

  • General liability
  • Professional liability
  • Cyber liability
  • Commercial auto insurance
  • Workers’ compensation for employees
  • Business owners policy (BOP)

A business of any size, a small start-up company or a large corporation, faces risks that could cause financial ruin. The risks most commonly experienced will vary by industry and size, but a certain risk is always present for any business.

Small businesses need a business owner’s policy, or BOP, which combines business liability, business property, and business income insurance in one policy.

A qualified insurance agent can assist you in pointing out risks, and what types of commercial insurance coverage are best for your business. For example, the owner of a commercial truck fleet would need commercial auto insurance for vehicle coverage because of the risk of accidents while driving. A small dress shop would not need this type of coverage.

Regardless of the size of the business, commercial insurance is vital to protect it from losses that could result in catastrophic financial devastation.

Contact the agents at the Sanford Group today to begin protecting your business.

Two Types of Life Insurance

When there are people who depend on you, it’s essential to make sure that they aren’t left without anything when you’re gone. Getting life insurance is responsible for ensuring that your loved ones get what they need in the future. There are two main types of this kind of insurance, and each works very differently from the other. Call us at The Sanford Group in Ball Ground, GA to get one of these life insurance types.

Term Life Insurance Policies

Term life policies come with several benefits and drawbacks. The main disadvantage of this type of life insurance is that the term from the name means that the policy is only suitable for a specific period. It may be ten years, twenty years, etc., and after that, the policy ends. It would be best if you reapplied for life insurance to get insurance after this date. And because you are older when you reapply, the new life insurance policy will be more expensive than the previous one was. However, term life insurance policies are less expensive than the other type. This benefit is what often makes people choose this type of policy.

Whole Life Insurance Policies

Whole life is just what is implied by the name. The coverage is good for your whole life instead of being only for a specific term. If you continue to pay the price of the policy, you will keep the insurance for as long as you want. This type of insurance is more expensive but also grows cash value. The cash value of your policy is an amount the policyholder can borrow if they should ever want to.

Get Life Insurance

Don’t put off getting life insurance. Call us at The Sanford Group in Ball Ground, GA to get started.

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