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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

Do all people need to have a life insurance plan?

Those that are in the Ball Ground, GA area are always going to want to have proper insurance in place. A form of insurance which people should look into getting is life insurance. This coverage provides a death benefit to the beneficiaries of your policy. There are a variety of reasons that all people here should consider getting this coverage.

Protection for Dependents

A primary reason that people should get life insurance is so they can protect their dependents. Someone that has people that rely on them and their income need to ensure there is a plan in place if they were to pass away and not be able to work. With a life insurance plan, you can provide this coverage and protection. These policies can be built and curtailed to cover their future costs. 

Support with End of Life Expenses

You should also get a life insurance plan as it can help your loved ones financially if you have end-of-life expenses. When someone passes away, they could leave a lot of expenses behind including funeral and burial costs, medical bills, and paying off old bills. If you have a life insurance plan, your loved ones can use the proceeds to cover these costs and avoid any personal financial burden. 

Getting a proper life insurance plan in the Ball Ground, GA area should be considered a top necessity. As you are looking for a plan in this area, you will want to call The Sanford Group to discuss your needs and options. There are many complexities that come with picking a life insurance plan and The Sanford Group can provide the insight you need to choose the right policy. This can help you get the coverage needed to provide the right protection. 

What is included with a commercial insurance plan in Georgia?

Anyone that would want to own their own business needs to find a location that offers great support and potential. An area of Georgia that can provide some great opportunity is Ball Ground, GA. As you are planning your business here, getting insurance for it is quite important. A commercial insurance plan offers several forms of coverage that can prove to be very helpful for your business. 

Liability Protection

A form of coverage that you need to get for your vehicle here is liability protection. Businesses are going to take on liability risks regularly. If you have a customer that gets hurt through the use of a product you sell, you can be held responsible for damages. Those that get a commercial insurance plan are going to receive the coverage needed to mitigate this risk.

Asset Coverage

You should also get a commercial insurance plan in the event you have to purchase assets for your company. A commercial insurance plan will give protection so you can repair or replace your core business assets. If there is ever a situation that results in a loss, you will want to have this coverage as it can ensure your business is able to continue to operate if you do incur an asset loss. 

People that are in the Ball Ground, GA area and are going to start a business need to get the right insurance for it. As you are evaluating your insurance options, calling The Sanford Group is a great option. There are a lot of choices to make as you are looking for this coverage and The Sanford Group can help you evaluate all of your needs and options. This can help you build a plan that will continue to offer ideal coverage. 

Get More Liability Protection With Umbrella Insurance

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. 

How to Know if Your Vehicle Qualifies as a Classic Car

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.

What you need to know about life insurance

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.

Why would a Ball Ground business want commercial insurance?

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. 

Keeping your home safe when you are away

When you are away from home, knowing your home is safe makes it easier to relax and concentrate on the reason you are away. Whether it is a much-needed vacation or a business trip having a good home insurance policy makes leaving home less stressful. In Ball Ground, GA at The Sanford Group, we are committed to customer service. As independent agents, we work for our customers, not one carrier and we will do everything we can to get you the best policy at the best price. 

Don’t announce your plans

Avoid the temptation to go on social media and tell everyone about the wonderful vacation you are taking or the business trip you are going on. It is too easy for that information to get into the wrong hands. Don’t post selfies of you on the beach etc. or complain about the weather in another location. You can update your family in a text or a phone call without alerting the entire world. 

Stop your mail

Don’t allow your mail and packages to accumulate while you are away. You can stop your delivery by going to the USPS website and filling out a hold mail form. Stop your mail at least a day early so you can be sure your carrier has received the notice.

Make friends with your neighbors

Your neighbors are one of the best ways to make sure nothing unusual is happening at your home while you are away. This is one occasion when having a nosy neighbor can come in very handy.

Set the alarm

This goes without saying but make sure all your windows and doors are locked and you set the alarm if you have a home security system. 

In Ball Ground, GA The Sanford Group looks forward to helping you with all your home insurance needs. 

Ask Your Agent About Auto Insurance Changes

If you’re in the Ball Ground, GA area and have auto insurance questions, you’re not alone. The Sanford Group can help, so you can get your questions answered and make any needed policy changes. The insurance you have on your vehicle is important. You not only want to make sure you have the minimum level of coverage required by law, but you may also want additional coverage beyond that. Deciding on that coverage is easier when you have a knowledgeable agent on your side. That way you can get the information you need and feel confident with your decision.

Making changes can mean moving from one company to another, or simply upgrading or adjusting the coverage you have with the company you’re currently using. But the easiest way to do either one of those things is to work with an agent you feel good about. That can help increase your peace of mind, and give you the protection you’re looking for when it comes to covering your vehicle the right way. You don’t have to settle for less than the right type of coverage for your particular situation, so you can leave your fears behind when you’re out on the road.

For anyone in the Ball Ground, GA area, The Sanford Group is here to help with your auto insurance changes and other coverage needs. Reach out to us today, and our agents can start getting your questions answered. Then you’ll have a policy you’re really happy with, so you can feel safe and protected when you’re behind the wheel. If there have been changes in your life or household, it could be time to make changes to your insurance policy, too. We’re here to make that easier, and ensure you have the coverage that really fits your needs.

Life insurance can be an impactful financial tool

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.

Commercial Insurance – What Is The Use?

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.

Partner Carriers

  • AAA
  • American Collectors
  • American Modern
  • AmTrust
  • Bristol West
  • Dairyland
  • Donegal
  • Encompass
  • Foremost
  • Grange
  • Guard
  • Haulers
  • Heritage
  • Infinity
  • Mercury
  • MetLife
  • Nationwide
  • NCCI
  • Progressive
  • Safeco
  • Travelers
  • Zurich