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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 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. 

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.

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.

Whole Life Insurance

Having life insurance is a responsible thing to do for anyone. It provides a helping hand after you’re gone, and that is especially important if you have a family. If you are interested in getting whole life insurance, contact us today at The Sanford Group in Ball Ground, GA.

Carry It for Life

One of the major advantages that whole life insurance has over term life policies is that with whole life, it literally does what it says. It will protect you for your whole life no matter how elderly you become. Just keep paying the premiums, and the policy can’t be canceled. This gives many people peace of mind in knowing that they won’t be locked out of their life insurance after a set amount of time like with term policies. Instead, you can keep it for the rest of your life. 

Borrow Against the Value

Another major advantage of whole life insurance is that it will build a cash value. Over time, the premiums that you pay for your policy are invested by the insurance company, and those investments make money. Then, after a few years, a portion of that profit becomes the cash value of your life insurance policy. This cash value is available to you to borrow against if you ever need to. This is another reason that these policies deliver peace of mind. You can borrow up to the full cash value of your policy in case there is a financial hardship that requires it. Once it is borrowed, it is simply deducted from the death benefit until the loan is repaid.

Stay Protected With Life Insurance

It’s important to have life insurance to protect the future of those around you. If you need a life insurance policy, call us at The Sanford Group in Ball Ground, GA.

Do Life Insurance Policies Require Medical Exams?

When many people sign up for life insurance, they are concerned that they need to undergo a medical exam. If you are thinking about getting life insurance, there are a few things you need to know about policy requirements.

The Sanford Group, which provides insurance services to the people of Ball Ground, GA, understands that your privacy is important. You may not want to undergo a medical exam, and that’s fine. Here’s how your choice impacts potential life insurance policies.

Life Insurance Usually Requires Quick Medical Exams

When a life insurance company requires a medical exam, it is generally a quick one. You will be assessed for things like blood pressure, heart rate, and other major conditions. The appointment is more like a physical than a thorough examination of your entire body in some cases.

If you want to know what kind of exam is required ahead of time, an insurance professional can help you determine what will happen and what the doctors will look for.

Medical Exams Help a Company Assess Risk

These medical exams serve an important purpose. They show the insurance company what level of risk they are taking on by providing you with an insurance policy.

Some Exceptions Exist

Of course, not every insurance policy will require that you undergo an exam. Some exceptions are out there, and an insurance policy can help you find the right policy based on your needs.

Learn More About Your Life Insurance Options

The Sanford Group serves Ball Ground, GA, offering a variety of life insurance options to choose from. Call the office today to learn more about life insurance options and whether you need a medical exam to be approved for the right policy.

Must-have Commercial Insurance Coverages

Commercial insurance must be a priority if you want to build a business that will last now and many years to come in Ball Ground, GA. Commercial insurance saves your business potential losses emanating from risks like theft, fire, vandalism, and so on. But because business insurance is broad, you can’t purchase all the available coverages for your business. However, The Sanford Group shares commercial insurance options you should consider for your business, regardless of the size or nature.

Liability insurance

All businesses, whether startups or seasoned, are faced with liabilities. Your business could be faced with property damage, adverting, or personal injury claims from third parties. Unfortunately, third-party claims are expensive, and only a few businesses can finance the costs from their pockets.

For this reason, you must invest in general liability coverage. It’s not mandatory, but you need it when the unthinkable occurs.

Worker’s comp insurance

Since your employees are one of your most prized assets, investing in coverage that protects their welfare makes sense. Worker’s comp insurance shields your workers from injuries and covers partial loss of income when they can’t resume work.

Commercial property insurance

Besides employees, assets are the next best thing in your business. Without assets like computers, furniture, inventories, and buildings, it would be nearly impossible to run your business. Thankfully, investing in commercial property insurance shields your business assets from risks like fire, theft, and natural calamities.

Commercial auto insurance

Commercial auto insurance differs from personal auto insurance. If you have business vehicles, you must invest in commercial auto insurance to protect your car and driver following an accident.

Learn more about commercial insurance today!

Would you like to learn the type of coverage suitable for your business? If you are in Ball Ground, GA, and its environs, please book an appointment with The Sanford Group.

Ball Ground, GA Earthquake Insurance Options

When thinking about earthquakes, the mind tends towards thoughts of events in California rather than seismic events in Ball Ground, GA.  The reality, however, is that The Peach State is crisscrossed with fault lines that are subject to seismic activity.  For residents with questions about your Ball Ground, GA earthquake insurance options and coverage availability, seek out the services of a qualified insurance agent from our offices here at The Sanford Group.

Ball Ground, GA Earthquake Insurance Options

The devastation that a Georgia earthquake can be wrought on your home or property can be severe, so it is important to sit down with your insurance agent to discuss your Ball Ground, GA earthquake insurance options.  Making sure that you are adequately covered for seismic activity in your area requires you to be proactive.

A great deal is on the line when it comes to protecting your commercial and residential property, and making sure that your coverage and protection is up-to-date means understanding the danger and taking steps to mitigate any losses to your personal or business property.  You need to trust the information you get, and that is why our team at The Sanford Group is proud of the work we do every day for our neighbors in Ball Ground, GA.  

Contact The Sanford Group Today

When you are ready to get the information you need regarding your Ball Ground, GA earthquake insurance, contact our friendly team here at The Sanford Group to discuss your coverage needs.  Serving the greater Ball Ground, GA area, we offer a myriad of policy options for area residents, so don’t wait until the ground is already shaking before reaching out to our team for answers.

Why should I get classic car insurance in Ball Ground?

Those that are in the Ball Ground, GA area and love cars will likely want to own a classic vehicle at some point. When you are going to own a classic car here, you always need to make sure that you have the right insurance. You should get a classic car plan for your classic car here for a few reasons. 

Protect the Value of the Classic Car

A classic vehicle is a different type of car as it can go up in value over time. This differs from standard cars that will usually depreciate in value each year. Along with this, classic car owners need to ensure they protect this aspect of their investment. A classic car coverage policy will provide a coverage amount that is negotiated between the owner and insurance provider and can include the collectible price of the vehicle. Liability Insurance

If you are going to drive any type of car in Georgia, you need to have liability insurance. This coverage provides protection in the event you are at fault in an accident. As classic car owners drive their vehicles infrequently, their actual liability risk is not significant. The classic car policy will take this into consideration when determining the liability risk premium amount, which can result in reduced costs. 

If you happen to own a classic vehicle in the Ball Ground, GA area, you always need to make sure that you have the right insurance coverage. As you are assessing your options, speaking with The Sanford Group is helpful. Picking this type of insurance comes with a lot of different considerations and The Sanford Group can make it easier for you. This can help ensure you are able to build a plan that is ideal for your situation. 

When should a bondholder consider bonds insurance?

Did you know that you could buy bond insurance to protect your bonding situation? Many insurance companies in Ball Ground, GA, including The Sanford Group, offer ways bondholders can protect their investments from new risks and other situations. That also means there are many types of bond insurance. Each type depends on your needs and the type of business you’re conducting. So at what point should you consider buying bond insurance? Read on to find out!

You can buy it immediately.

Since there are so many reasons why a person may choose to buy bond insurance, there is really no specific time to acquire the policy. However, many insurance companies prefer bondholders to conduct thorough research and determine which bond insurance works for them and the limits required. You can also speak to an expert to help you. 

When your securities have underlying ratings

Ratings are critical for most bondholders as insurers only insure securities that have underlying ratings at the investment grade. The un-enhanced credit ratings should range between BBB and AAA.  Once you buy bond insurance, the issuer’s bond rating becomes obsolete and is no longer required. Instead, the insurer’s credit ratings will be applied. That also means that you do not have to encounter a lot of disruption if the issuer goes into default. Your insurance company should automatically take liability and make the interest and principal payments owed going forward.

If you want a higher credit rating

This type of insurance is most common among people who wish to get a higher credit rating on bonds to make them attractive to Ball Ground, GA investors. Having bond insurance provides peace of mind and security, so you can rely on your credit ratings when you have bigger projects to fund.

For all your insurance needs, questions, quotes, and new policy discussions feel free to contact The Sanford Group, and our dedicated team of professionals will be happy to help.

Reasons to Get Personal Injury Liability Insurance

Life can go along smoothly and then seemingly out of nowhere an accident happens, you damage someone’s property, or an individual is injured on your property. If you do not have the right kind of insurance, a lawsuit with heavy financial judgments could leave you depleted of savings or assets.

The agents at The Sanford Group of Ball Ground, GA have years of experience helping individuals with high-quality personal injury liability insurance. We will be happy to discuss insurance options with you.

Benefits of Personal Injury Liability

There are many benefits of this type of insurance. One of the main benefits is peace of mind knowing that you and your assets are protected in the event of incidents and property damage. Here are some reasons to get personal injury liability coverage:

  • Asset protection – With personal liability, you safely protect your future and current assets. 
  • Lawsuit coverage – If someone is injured on your property, personal liability will kick in and cover lawsuits that occur.
  • Worldwide protection – You and members of your family or household may be protected from lawsuits, even if incidents happen off of your property. This includes accidents that happen anywhere in the worlds
  • Medical payments – The ability to settle injury claims without a lawsuit is part of personal injury liability insurance.

Professional Insurance in Ball Ground, GA

Contact The Sanford Group of Ball Ground, GA to speak with one of our agents about personal injury liability insurance. Because we are an independent agency we can search through many different insurance products. We will find you the best personal injury liability at affordable rates. Give us a call to see how we can help.

Additional Services

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  • Roadside Assistance
  • Individual & Family Health Insurance
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