How Commercial Insurance Helps Mitigate Risk

If you’re in Chandler, AZ, and looking for ways to protect your business from financial risk, San Marcos Insurance Group can help. Commercial insurance is a great way to mitigate the potential risks of owning and operating a business. Commercial insurance can help businesses remain secure and profitable by providing coverage for potential losses and liabilities. If you want to learn more about the benefits of investing in commercial insurance, you’ve come to the right place.

What is Commercial Insurance?

Commercial insurance is a type of policy that provides financial protection for businesses, organizations, and non-profits. It helps to protect against potential losses from uncertain events such as fire, theft, lawsuits, or other unexpected losses. Commercial insurance can help you protect your business assets, cover the costs associated with legal liabilities and provide peace of mind in an unforeseen event.

How Does Commercial Insurance Help Alleviate Risk?

Commercial insurance can help your business manage potential risk in several ways. It can protect against property damage, liability claims, and lost income due to an unexpected event. By providing coverage for the costs associated with these risks, commercial insurance helps businesses manage any harm done by unforeseen events.

Contact San Marcos Insurance Group Today

You don’t have to face the risks of running a business alone. With commercial insurance, you can trust that your assets and operations are adequately protected. San Marcos Insurance Group serves Chandler, AZ, providing comprehensive coverage tailored to meet the needs of your business. Our team of agents is here to help guide you in finding the right plan for your company so that you can have peace of mind. Contact us today to learn more about our commercial insurance plans.

Can You Still Get Health Insurance if You Smoke?

If you are a smoker or tobacco user in Chandler, AZ, you may wonder whether you can still get health insurance coverage. The answer is yes; however, it depends on the type of health insurance plan you are looking for and the carrier from which you purchase the plan. Read on for advice from San Marcos Insurance Group.

Finding Health Insurance as a Smoker 

If you’re a smoker or tobacco user and you’re looking for an individual health insurance plan in Chandler, there are several options available to you. Most carriers will allow smokers and tobacco users to apply for their plans; however, they may have to pay higher premiums than non-smoking applicants. Some carriers will even offer discounts or incentives to those who quit smoking while on their health plan. 

It’s important to note that group health plans don’t typically consider smoking status when determining eligibility or premiums. This means that all employees in a group plan—whether they smoke or not—will normally pay the same rate for their coverage. 

Finding Affordable Healthcare Coverage 

No matter your smoking status, shopping around for the best possible rates on your healthcare coverage is important. Many carriers offer plans in the Chandler area, and it pays to compare prices and benefits among them before deciding which one is right for you. 

In summary, smokers and tobacco users can still obtain healthcare coverage in Chandler, AZ. However, you should be prepared to pay higher premiums than non-smokers depending on the type of plan they select and the carrier from which they purchase it. Contact San Marcos Insurance Group so that we can help you find the right health insurance policy for your needs.