When Should You Change Your Health Coverage?

Your health coverage plan makes a huge difference in your ability to care for yourself. At some point, you may find yourself in a position where you need to change your health coverage. This can be a confusing time, but answers are available.

San Marcos Insurance Group, which serves Chandler, AZ, can help you find health coverage if you think it is time to change your healthcare policy. These are some of the reasons why you might need a new health insurance policy.

You’ve Aged Out of Your Parent’s Plan

The law allows many adults to remain on their parent’s health insurance plans until they turn 27 years old. After your birthday, you should look for new coverage for yourself.

Somebody on Your Plan Has Died

If you have a plan covering the family but somebody passes away, you can remove him or her from your insurance plan. This can be an emotional process, but it can save money on your premium.

You’ve Welcomed a New Child

Whether you gave birth this year or you adopted a child, you need to add this child to your insurance plan. An insurance professional can help you do this the correct way to ensure your child is completely covered.

You Moved to a New State

When you move to a new state, you need to change your insurance plan. You can enroll in a new plan even when the marketplace is closed if you’ve moved from one state to another.

Get the Right Health Coverage For Your Needs

San Marcos Insurance Group provides coverage in Chandler, AZ, helping you find the right insurance. If you need a new healthcare policy, contact the office to learn more.

Is Commercial Insurance all About Liability Protection?

If you own a business in Chandler, AZ, you can’t avoid business liabilities. For this reason, you must buy general liability insurance from San Marcos Insurance Group. Liabilities form a significant component of risks facing a business. Think of advertising injury, property damage, bodily injury, and so on — indeed, the ubiquitous nature of liabilities means businesses must cushion themselves with commercial insurance.

But is commercial insurance all about liabilities? Definitely not. Commercial insurance is broad and covers other facets of your business. Below are additional areas covered by commercial insurance.

Property protection

Your business owns assets, right? If you don’t have a building, you have properties like inventories, computers, furniture, fixtures, and so on. And because accumulating these assets has taken time and resources, you need to protect your assets with commercial property insurance. This way, you don’t have to start from level zero when perils like fire, theft, and hail devour your assets.

Employee protection

Workers’ comp insurance protects your employees from illnesses and work-related injuries. Besides, this coverage covers your employees’ partial loss of income if they can’t resume work due to their injury or sickness.

Online protection

Do you store sensitive customer data? Does your business have an online presence? If yes, you need cyber insurance to safeguard your business against malicious online activities. This coverage covers notification costs, negotiation costs, legal charges, and other cybercrime-related costs.

Whether you own a traditional, online, or home-based business, commercial insurance is the safety net you turn to when the unthinkable happens. While it covers your business against liabilities, it offers much more protection beyond liabilities.

Get commercial insurance today!

Would you like to own a business that will stand the test of time? If yes, then you need to consider commercial insurance. If you are in Chandler, AZ and its environs, please get in touch with San Marcos Insurance Group for an affordable business insurance quote.