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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

Protect Your Business With Commercial Insurance

Are you a business owner in the Ball Ground, GA area?

If so, is your business protected with commercial insurance? If not, contact the Sanford Group for the protection your business needs.

Commercial insurance is probably the most important investment when starting a new business. It will protect your company from severe financial losses and can be the difference between staying in business and going under in the case of a devastating lawsuit. It is essential to know the different types of commercial insurance coverage. A reputable agent will help you create the most appropriate policy for your particular business.

Commercial insurance is critical for any small business. It protects the company from commonly experienced losses such as theft, property damage, liability, and employee injuries. With this coverage, a business can more readily recover from any type of loss. Without it, you risk going out of business.

The three most common types of commercial insurance are liability insurance, property insurance, and workers’ compensation insurance.

  • Liability insurance offers protection from damage your company suffers from any third party. It covers the cost of personal injuries that occur at your business.
  • Property insurance covers damage to your property, such as flood or fire damage.
  • Workers’ compensation insurance protects you if an employee is hurt or becomes ill on the job. It also prevents an employee from filing a negligence lawsuit against your company for injuries sustained during their working hours.

There are also additional, specialized forms of coverage under each of these broad categories that address business-specific liabilities.

If you are a business owner or thinking of becoming one, don’t forget this critical coverage to protect your business. The Sanford Group, serving the Ball Ground, GA area, can provide a no-obligation quote or answers to any questions. Contact our office today. You will be glad you did.

What factors should I consider when looking for life insurance in Georgia?

When you are in the Ball Ground, GA area, occasionally evaluating your personal insurance needs and options is very important. Life insurance is one type of insurance that all people need to consider. This valuable form of insurance can offer financial support and protection for your dependents or plan beneficiaries. There are multiple factors to consider when you are going to select your next life insurance policy here.

Amount of Coverage

One factor to consider when looking for life insurance is the amount of coverage you need. This personal decision and factor will be based on the future costs and expenses that your dependents could incur. It is vital to ensure you are conservative and build a plan that will provide appropriate coverage.

Type of Policy

You also will want to consider the type of policy to select. Various types of life insurance are available, including term life and whole life, each with different pros and cons. You should carefully evaluate these options and choose a policy type that is right for your situation.

Policy Riders

When building a life insurance plan, you can also consider policy riders. A policy rider is insurance coverage beyond the base life insurance coverage. This can include long-term care coverage, accidental death coverage, or other forms of insurance.

There are many choices that need to be made when looking for life insurance in the Ball Ground, GA area. To ensure you choose the right policy, start your search by calling The Sanford Group. The professionals with The Sanford Group understand the value of this coverage and can help you build a plan that meets your needs.

The difference between comprehensive and collision insurance

Collision and comprehensive insurance are two types of car insurance that offer different levels of protection. Collision insurance is designed to help you pay for the damage to your car if you hit another vehicle or object. Comprehensive insurance, on the other hand, enables you to pay for damages that occur to your car due to something other than a collision, such as fire, theft, or vandalism.

The main difference between collision and comprehensive insurance is that while they cover different types of damage to your car, only collision insurance is required by law in most states. However, depending on the state you live in and the value of your vehicle, you may find that comprehensive insurance offers more protection.

When deciding which type of insurance to purchase, it is crucial to consider the pros and cons of each option. For example, collision insurance tends to be more expensive than comprehensive insurance, but it provides a much stronger level of protection for your vehicle. On the other hand, comprehensive insurance usually costs less than collision coverage. Still, it does not provide as much financial support when repairing or replacing your car after an accident.

Ultimately, choosing between collision and comprehensive insurance will depend on your individual needs and budget. If you are in doubt about which type of coverage to purchase, it is best to consult with a qualified insurance agent who can help you make an informed decision based on your specific situation.

At The Sanford Group, we are proud to help drivers find the policy that is best for them. We are proud to serve the Ball Ground, GA area, so give us a call today!

How to prepare your home for a storm

No one knows when a storm will hit, so it’s essential to be prepared. The Sanford Group can help you prepare for the worst-case scenario, whether that means boarding up your windows or having a plan for evacuation. Here are a few tips to ensure you are ready for the next storm.

1. Make a plan before a storm hits

The first step in preparing for a storm is to make a plan. Decide what you will do if there is a warning or the storm hits. Will you stay put or evacuate? Have a backup plan just in case something happens to the first one. Make sure all of your loved ones know your plan and how to contact you in an emergency.

2. Gather your supplies

Once you have a plan, it’s time to gather your supplies. This includes food, water, flashlights, batteries, and first-aid supplies. If you have pets, ensure you have enough food and water for them. It’s also a good idea to have cash on hand if there is a power outage, and you can’t use your debit or credit cards.

3. Stay safe during the storm

If a storm is headed your way, staying safe is important. Keep away from windows and doors, especially if they are broken. If you need to go outside, do so quickly and avoid power lines and other hazards. If the power goes out, don’t use candles or other open flames as they could start a fire. 

The Sanford Group can help ensure you have everything you need to stay safe during a storm. We proudly serve the Ball Ground, GA area. Contact us today!

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.

Will my auto insurance cover my car if I use it for business purposes?

As a business owner, there are specific things you may need to use to keep your business running smoothly. Some of these things may include your personal possessions. For some business owners, the use of a car is essential. You may need to travel for business reasons. However, things can get sticky if you’re driving your personal vehicle. Our team at The Sanford Group knows that Ball Ground, GA business owners have questions about how to protect their businesses. We’re here to help them explore the benefits of insurance.

What You Should Know…

Driving your personal car, insured for personal use, carries risk if you use it for your business. If you get into an accident or some unexpected catastrophe while operating your vehicle for business purposes, it won’t be covered under a personal insurance policy. You’ll have to pay for any damage or injuries incurred by yourself or others out of your pocket. As a result, if you know you’ll be using your car for business purposes, it’s best to get business auto insurance. Your personal auto insurance policy won’t pay for any car repairs, legal issues, or liability that you may have to others for property damage and injuries.

Business Auto Insurance

Business auto insurance typically provides greater coverage limits and is beneficial if you use your car for delivery, towing, or any other business-related task covered under your policy. A commercial policy typically provides higher coverage limits even if your personal auto policy has a business use addendum. However, a business auto insurance policy can be created to meet your company’s specific needs. If you have questions about the best insurance for cars used for business purposes, call us. 

Three common misconceptions about earthquake insurance

If you own property, it’s important to have earthquake insurance so that you protect your property. Don’t believe common misconceptions about earthquake insurance.

The Sanford Group provides earthquake insurance coverage in Ball Ground, GA. Below are three common misconceptions out there about earthquake insurance. 

Those who don’t own a home don’t need earthquake insurance.

Consumers who don’t own property typically think that earthquake insurance coverage is not necessary for them. Earthquake insurance isn’t only beneficial for consumers who own property. Earthquake insurance can also be helpful for renters and even business owners. 

Anyone who relies on a property for business operations or stores belongings in a building can potentially benefit from earthquake insurance coverage. 

Coverage for earthquakes is included with a typical home insurance policy.

You must realize that standard home insurance doesn’t generally provide coverage for earthquake damage. Standard home insurance policies don’t offer coverage for every possible cause of property damage. Earthquake insurance is separate from standard home insurance.

If you are concerned about earthquake damage to your property, you need to invest in a separate earthquake insurance policy to protect your property from earthquake damage. 

Earthquake insurance is not worth the expense.

Investing in earthquake insurance coverage can pay off in the long run.

Getting coverage for earthquake damage often doesn’t cost a lot of money. However, such coverage can be very beneficial in the long run because earthquakes can cause extensive and costly damage to a property. 

At The Sanford Group, we are here to provide you with the information you need about your earthquake insurance options in Ball Ground, GA. We’re here to answer any questions about your property’s earthquake insurance. 

Three common misconceptions about classic car insurance

Those who own a classic car need to know how to insure their unique vehicle properly. The Sanford Group offers classic car insurance to vehicle owners in Ball Ground, GA. 

The following are three common misconceptions that vehicle owners should be aware of when it comes to classic car insurance. 

It’s confusing and complicated to get classic car insurance.

Classic car insurance is easy to understand and purchase. While you’ll want to do some research before choosing a policy, finding the appropriate coverage for your classic vehicle is a simple matter. 

You never have to update your classic car insurance policy.

Some consumers assume you never need to update a classic car insurance policy. However, classic car owners might want to change their coverage as the value of their vehicle or their insurance needs change.

Consumers should realize that they might want to update their policy as time passes to best meet their insurance needs. 

There aren’t any significant differences between standard auto insurance and classic auto insurance. 

While there may be some similarities between classic car insurance and other types of coverage, classic car insurance is distinct from standard auto insurance. Classic car insurance is designed for a higher-value vehicle that is not used as often as a standard vehicle used for everyday transportation. 

If you want to fully meet your classic car insurance needs in Ball Ground, GA, it’s vital that you avoid believing any of these common misconceptions. If you want to learn more about classic car insurance, feel free to contact us with your questions at The Sanford Group

Three things you need to know about bonds insurance

Those who issue or hold bonds should understand some basic details about what bond insurance does and how it works. Get in touch with us at The Sanford Group if you are interested in bond insurance in Ball Ground, GA. 

The following are three things you need to know about bond insurance. 

Bonds insurance protects those who hold bonds against default.

Bonds insurance is a type of insurance that guarantees the repayment of the principal of a bond. In some cases, bond insurance will also cover the value of the interest on a bond. This type of insurance, therefore, protects an individual who holds a bond from the possibility of default. 

Bonds insurance covers numerous types of bonds.

Bonds insurance can be offered on a commercial or performance bond so that customers holding contracts with companies can be guaranteed of the work the company is proposing.

Bonds insurance can also be offered on contract bonds used in the construction industry to guarantee project details, like completion time. 

Fidelity bonds are another type of bond that bond insurance is offered on. Fidelity bonds help to protect companies against numerous types of loss, such as loss due to theft. 

Bonds insurance can improve the credit rating of entities that issue bonds.

Bonds insurance can be effective at helping companies that issue bonds to attract investors. That’s because the credit rating of the bond issue can go up if the bond issuer invests in bond insurance. 

At The Sanford Group, we can assist you with finding the right bonds insurance solution in Ball Ground, GA. Get in touch with us to learn more about our bond insurance options. 

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