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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

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.

Wedding and Event Insurance Coverage

When planning a big event in Ball Ground, GA, including weddings or charity fundraisers, you want to focus on the details for the event, enjoy the event, and not worry about anything that could go wrong. Event insurance, also known as one-day event insurance, protects you from financial loss associated with accidents, delays, or cancellations. 

The experts at The Sanford Group understand you need to focus on enjoying your event, which is why they are prepared to help you with all of your event insurance needs. 

Liability Coverage

Liability insurance is the most common form of event insurance coverage. It protects the event holder and the venue from property damage or injury claims during the event. 

Wedding Cancellation or Postponement

Cancellation or postponement insurance is available for weddings when you purchase liability insurance for your special day. Cancellation insurance covers most non-refundable costs associated with the wedding unexpectedly being canceled. Wedding insurance coverage can also be added to include cakes, dresses, and other items needed for your wedding. Check with your insurance agent to determine any cancellation circumstances where your cancellation or postponement is not covered. 

Why Event Insurance Is Needed

Many venues require you to purchase a general liability insurance policy for your upcoming event. Event insurance protects both yourself and the venue should someone get injured or the property gets damaged.

Event Insurance Costs

The costs to purchase event insurance varies based on the size of the event, the venue, the number of people attending, the length of the event, and the amount of coverage you want. Call your insurance agent today to discuss your options and the cost of purchasing special event insurance. 

Are you planning a special event or a wedding in Ball Ground, GA? Call the experts at The Sanford Group to discuss the event and your insurance coverage needs. 

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.

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