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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 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.

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.

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. 

Will My Personal Injury Liability Insurance Cover Me If I Am Sued?

Like most people, you have heard of personal injury liability insurance, but you’re not sure if it’ll cover you if you are sued. This is a valid question and one that deserves to be answered. The Sanford Group, located in Ball Ground, GA, is here to give you the necessary answers.

What You Need to Know About Personal Injury Liability Insurance

When it comes to personal injury liability insurance, there are a few different things that you need to keep in mind. First, this type of insurance will typically only cover damages caused by your negligence. This means that if you are sued for something that was not your fault, your insurance will not likely cover you.

The second thing to keep in mind is that even if your personal injury liability insurance covers you, there may be limits on your coverage. This is why it’s so important to ensure that you understand your policy’s terms and conditions before you ever need to use it.

The third thing to remember is that personal injury liability insurance is not always required by law. However, it’s always a good idea to have this type of coverage just in case. You never know when someone might decide to sue you, and it is always better to be safe than sorry.

Conclusion

At The Sanford Group in Ball Ground, GA, we understand that this can be a lot of information to take in all at once. That is why we are here to help. We’ll work with you to ensure you have the coverage you need to rest easy, knowing that you and your family are protected. Contact us today to learn more.

What Type of Insurance do I Need for an Event?

 Are you planning to host an event? Whether a small gathering at your home or a large-scale party, there are some essential things to keep in mind. One of the most important is insurance. If something goes wrong – whether it is a food poisoning incident or someone gets injured – you will want to be sure that you are covered.

There are many different types of insurance that you may need, depending on the type of event and the location. Below are two of the most common types of insurance you may need for your event.

Liability Insurance

Some events can be pretty wild. When people get drunk and unruly, bad things can happen. You could be held liable if someone gets injured or damages property at your event. This is where liability insurance comes in. It will protect you financially if you are sued for damages or injuries at your event.

Liability insurance is not required by law, but it is a good idea if you host an event. You can purchase liability insurance as part of a homeowner’s or renter’s insurance policy. Or, you can buy it as a standalone policy. The amount of coverage you need will depend on the size and location of your event and the activities that will take place.

Event Cancellation Insurance

Cancellation Insurance is a must for any big event. It’s also known as Event Cancellation Insurance or Wedding Cancellation Insurance. It protects you from revenue loss if something goes wrong and you have to cancel your event.

Cancellation Insurance can cover cancellations due to bad weather, venue problems, vendor problems, health reasons, and more. This type of insurance can give you peace of mind knowing that you are covered if something goes wrong.

When planning an event, ensure you are fully protected by getting Cancellation Insurance. This way, you can relax and enjoy your event, knowing that you are covered in case of any unforeseen circumstances.

Do You Need Insurance For an Event?

Are you an event planner or someone thinking about hosting an event? If so, you need insurance for your gala or event. Whether you’re hosting a wedding, a conference, or any other event, you must purchase Event Insurance.

At The Sanford Group, we have been serving the people of Ball Ground, GA for a few years, providing them with comprehensive insurance solutions. And, we would be more than happy to help you too. We understand the ins and outs of Event Insurance, so you can rest assured that you’re in good hands.

Call us on  678-454-0661 to learn more about our event insurance policies and how we can help you safeguard your event. 

What Are Some Common Exclusions In Commercial Insurance Policies?

Whether you are a large enterprise or a small business, you need a commercial insurance policy. However, standard business insurance only offers basic coverage, while many other risks your company might face aren’t covered. To get adequate business insurance, you must purchase specialty insurance for the excluded risks. Some common business insurance exclusions are:

1. Personal Property Used for Business Purposes

Some businesses have their employees use their personal properties for business purposes. For example, staff using their personal computer or car to perform business tasks. A standard commercial property or auto policy won’t cover damage to an employee’s personal property like a laptop or car. If your employees use their private vehicles for business errands in Ball Ground, GA, you should get non-owned commercial car insurance. 

2. Damage From Rust, Corrosion, or Normal Wear and Tear

Commercial equipment insurance is a vital commercial coverage if your company relies heavily on equipment to facilitate its operations. This coverage is supposed to cover the cost of repairing the equipment if it’s damaged, totaled, or stolen. However, damage resulting from rust, corrosion, or natural wear and tear is excluded from this coverage. At The Sanford Group, we recommend that you regularly maintain your company equipment to prevent rust and corrosion and reduce the rate of normal wear and tear. 

3. Terrorism and War

The threat of terrorism is currently an everyday reality. However, the commercial insurance you have for your enterprise doesn’t cover damage to business property due to terrorism. Additionally, it excludes damage to your company property due to war. 

4. Harm From Government Operations

The government regularly undertakes activities that affect businesses, such as military operations, building roads, and dumping nuclear waste. If your business is affected by government activity, your commercial policy won’t compensate you. Instead, it will be up to the government to compensate you. 

The Sanford Group offers unrivaled insurance assistance in Ball Ground, GA. Call us today.

Do I Need Life Insurance If I Have No Dependents?

Life insurance is meant to protect the financial well-being of your dependents after your death. If you have don’t dependents, you are likely wondering whether you still need life insurance. The Sanford Group advises our clients with no dependants to purchase life insurance. Here’s why life insurance can still benefit you despite having no dependents.

1. Pay For Your Medical Bills

Your medical bills can be enormous depending on how your death comes about. Suppose you die after months of receiving critical care for a chronic ailment like cancer or after weeks of being on life support after a severe accident. In that case, you will be leaving behind massive medical bills. The settlement can be used to clear the medical bills if you have life insurance.

You should know that whether you have life insurance or not might also influence the quality of medical care you receive before your death. Some hospitals might be reluctant to offer you the best possible care if you lack life insurance because they don’t want to be left with a massive unpaid medical bill after you die.

2. Clear Your Debts

Besides clearing your medical bills, having life insurance will also help clear other debts after your death, although you have no dependents. This includes credit card debts, student loan debts, and the debt you owe to your friends and acquaintances.

3. Pay Your Funeral Costs

As a Ball Ground, GA resident, you should get final expense life insurance to pay for your funeral costs if you don’t have any dependents. This coverage will enable you to get the final send-off you desire. Moreover, you will eliminate the financial burden of catering for your funeral costs from your friends and acquaintances who will send you off after your death.

Do you seek life insurance in Ball Ground, GA? Contact The Sanford Group today.

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