Chandler

Do Tattoo Artists Need Professional Liability Insurance?

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Tattoos are forever, yet mistakes don’t have to have lasting repercussions. All professionals, including tattoo artists, need professional liability insurance. Obtain this essential form of liability protection so that alleged errors and oversights that cause injury or other harm won’t doom your business.

Why Professional Liability Insurance Makes Sense

Tattoo artistry carries inherent risk. A slight hand movement, customer dissatisfaction, conflict or even a medical reaction to a needle or ink can lead to disastrous consequences. Instead of letting a personal injury lawsuit or other legal action close the doors of your business, obtain the proper insurance.

Professional liability insurance protects your tattoo shop or other business against potentially financially ruinous legal action. This way, if a customer perceives negligence and files a lawsuit, your business will continue operating smoothly.

Though professional liability insurance carries a minor cost in the form of premiums, that cost pales in comparison to the cost of a lawsuit. Instead of opening the door for a dissatisfied customer to attempt to prove professional negligence that ends your business, get liability coverage in Chandler, AZ today.

Peace of Mind for Business Continuation

You’ve worked long and hard to build your business. A single lawsuit could bankrupt the enterprise and ruin your reputation. A random event such as an allergy to tattoo ink should not doom your tattoo shop.

Even if you have a waiver in place, a lawsuit after supposed negligence could lead to significant damages. Protection takes the form of professional liability insurance that empowers you to continue making money as a business owner even if one or several lawsuits are filed.

Peace of mind is invaluable as it enables you to move forward with new tattoo customers without concern regarding ongoing lawsuits or potential lawsuits. This way, an alleged botched tattoo, allergic reaction, infection or other perceived wrong won’t close your business.

Get Insurance Through the San Marcos Insurance Group

Do you own a business in or near Chandler, AZ?  If you are a professional of any sort, a business owner or a budding entrepreneur, we can help. Call today to learn more about our professional liability insurance and business insurance coverages provided by the San Marcos Insurance Group.

You Need Health Insurance for Your Business. What’s the Process?

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Finding health insurance for your business can be daunting, but not when you’re working with insurance professionals from San Marcos Insurance Group servicing Chandler AZ. The insurance pros at San Marcos Insurance Group are here to make the process of finding a health insurance plan much easier and less stressful. Below is what you need to know about finding a health insurance plan today. 

Assess Your Needs

Start by assessing the needs of your business. This may involve having open conversations with employees to discuss their needs, contribution budget, and more. Having this information ahead of time will help you find an insurance plan (or plans) that your employees will want.

Determine Your Budget 

Next, it’s time to determine your business’s budget. Healthcare isn’t cheap, but different plans can have widely ranging premiums. Knowing your business’s budget can help you narrow your choices when the time comes.

As a part of picking a budget, you’ll also choose a contribution structure that your employees will follow. Most businesses require their employees to contribute to the cost of the insurance premium. Knowing what that contribution is will also help you choose the right plan.

Contact an Agent

Finally, it’s time to contact an agent. The insurance agent will help you consider all your options until you’ve narrowed the choices to an insurance plan that works for you. This may take time, but the insurance professional will help make this part easier by answering your questions and helping you to consider all the choices. 

Enroll

Once you’ve selected a plan, it’s time to enroll. The professionals at San Marcos Insurance Group servicing Chandler AZ are here to make choosing a health insurance plan easier. Call today to speak with one of our insurance professionals. 

Are Tires Covered Under Auto Insurance?

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You’d be surprised how expensive a good set of tires can be! That’s something that fluctuates but suffice to say that you will get what you pay for. Not only are they expensive, but without them your car is just a very big paperweight. And wouldn’t you know it? They’re the most vulnerable thing on your vehicle. It’s a "for want of a nail" situation, only this time you don’t want a nail at all. Because your car is so dependent on tires, you may wonder if your insurance covers them. Fortunately, the answer is yes, but only up to a point. 

When Your Tires Are Covered by Insurance 

Unfortunately, running over a nail or other debris may not be covered as it falls under normal vehicle upkeep. However, if the damage was done due to collision or hitting a pothole, you may be covered. The normal wear and tear is not covered, nor is any damage resulting in your neglect of maintenance. However, if someone decides to slash your tires, that falls under vandalism, and you are covered. If someone is bold enough to outright steal the tires off your car, that will be covered by comprehensive coverage. Comprehensive insurance will also cover the cost of replacing your tires if they were damaged due to a natural disaster such as a hailstorm or hurricane. For more coverage, you may want to go over the manufacturer’s warranty that came with your tires. You may purchase a separate plan that covers tire damage specifically. Roadside assistance might not cover expenses, but it’s great to have in a pinch. 

The San Marcos Insurance Group Serves Chandler, AZ

If you are in need of auto insurance, we here at the San Marcos Insurance group are happy to help. We serve the Chandler, AZ area. 

How to Update Your Home Insurance Policy After a Major Life Change

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Major life events have a way of shifting what matters most, including how we protect the place we call home. Whether you’ve welcomed a new family member, started working from home, or taken on new responsibilities, it’s important to make sure your insurance keeps pace. At San Marcos Insurance Group, serving Chandler, AZ, we take this process seriously as Arizona’s insurance regulations and standards make timely updates especially important.

Understanding How Life Changes Affect Your Policy

In Arizona, even small lifestyle adjustments can influence the way your home is evaluated from an insurance perspective. A new workspace, a recent remodel, or a major personal milestone can all change the way your home functions. When these shifts occur, homeowners are encouraged to review their policy, so it accurately reflects their situation. The goal isn’t just accuracy, but making sure your coverage aligns with the way you actually live.

Why Keeping Information Current Matters

Many people don’t realize how quickly outdated information can lead to gaps. If your home, routine, or responsibilities have changed, your policy should evolve right along with them. Arizona’s climate, construction norms, and regulatory environment all play a role in determining what’s appropriate and recommended, which is why we always emphasize an individualized approach.

Next Steps To Stay Protected

Updating your policy doesn’t have to feel overwhelming. At San Marcos Insurance Group, we guide our clients in and around Chandler, AZ through what matters, what can be adjusted, and what deserves a second look. If you’ve recently experienced a major life change or expect one soon, contact us today to ensure that your policy reflects your life today and supports whatever comes next.

Do Accountants Need Professional Liability Insurance?

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Accountants can always obtain liability insurance in Chandler, AZ, but is it necessary? Unfortunately, it’s not a straightforward answer. Several factors determine whether you need liability protection. 

Business Model

Accountants who work for a business or larger firm may not need personal protection. Businesses often obtain insurance policies that extend to individual accountants. An accountant in the business is also unlikely to be sued. Instead, most people will sue the business they work for. Ask your supervisor or business owner if you’re protected under their policy. 

However, if you do accounting on the side to earn some extra cash, you may need professional liability protection. People can sue you if you make mistakes, even if you’re just filing their taxes for them. An audit because of a simple typo is grounds for a lawsuit for pain and suffering or emotional damages. 

Liability Protection

These policies provide a necessary safety net for accountants. People can sue you if you give inaccurate advice or make a mistake, or they feel you aren’t acting in their best interest. A lawsuit can damage your reputation and, without adequate protection, leave you in financial ruin. One massive lawsuit is all it takes to bring a business to its knees. 

This type of insurance is also called errors and omissions Insurance. It protects you from financial damage due to innocent mistakes, such as typos. An agent at San Marcos Insurance Group can explain more. 

Here at San Marcos Insurance Group, our agents understand that coverage can be complicated. We’ll discuss your situation and business model with you to ensure you’re protected. Contact us when you’re ready to get started. We’re currently serving the Chandler, AZ, area. 

Commercial Insurance and Landscaping Companies

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Landscaping companies know there are always risks on the job. Employees can get injured using equipment. A new worker can accidentally run over a surprisingly expensive garden gnome with the walk-behind. Commercial insurance in Chandler, AZ, can help you deal with these issues and ensure compliance with the law.

Types of Insurance

There are various types of insurance available. Commercial insurance is an umbrella term that refers to any insurance policy purchased by a business. It’s essential to understand the various types that a landscaping business may need to be adequately covered. 

Workers’ Compensation

Most businesses with at least one employee are legally required to obtain workers’ compensation insurance. This will help cover lost wages and medical bills if an employee is injured on the job. 

Commercial Auto

Any vehicle being driven for work will need a commercial auto policy. If you have standard car insurance, and your insurance company finds out you use the vehicle for work, they can deny claims or cancel your coverage. An agent at San Marcos Insurance Group can help you learn more about switching from a standard to a commercial auto policy. 

Liability

A general liability policy can help cover damages you may be liable for. It can also help you if someone files a lawsuit against your business. Without general liability insurance, you’ll have to pay for damages with your money. You may be forced to close your business if you don’t have the money to keep it running and pay for the judgment against you. 

Landscaping companies also need to insure their equipment. Our experienced agents at San Marcos Insurance Group can help you learn more about different types of coverage. Contact us to discuss what your business needs. We’re currently serving the Chandler, AZ, area. 

Should I Supplement My Auto Insurance with an Umbrella Policy?

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In a world of uncertainties, comprehensive insurance coverage gives a much-needed safety net. One such safety companion is umbrella insurance, designed to provide coverage against unlikely events and safeguard you from potential devastation. Contact the San Marcos Insurance Group, serving Chandler, AZ, to discover how umbrella insurance can help protect you and your family.

Protecting Your Potential Liabilities

Home and auto policies provide crucial protections if you’re found liable for an accident or someone gets injured on your property. However, in some cases, your liability can exceed your base policy limit. Under such circumstances, you’ll be personally responsible for paying off the remaining liabilities, which can jeopardize your savings, home, and other assets. It’s precisely these situations where umbrella insurance comes into play.

Umbrella insurance essentially provides extra protection for "worst-case" scenarios. Although claims against umbrella insurance are relatively rare, the policy tends to be inexpensive due to the low claim rate. Apart from covering certain legal and court costs, it offers the priceless commodity of peace of mind, protecting you and your family against unlikely events and making it the ultimate preventative measure.

Teaming Up With San Marcos Insurance Group

Knowing you and your family are fully protected from unforeseen circumstances is comforting. If you live in or near Chandler, AZ, and want to discuss umbrella or other insurance options, the San Marcos Insurance Group team is ready to assist. Call us today at 480-899-6633 to explore the insurance choices that make the most sense for you.

Understanding Auto Insurance Coverage

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If you’re driving in Chandler, AZ, knowing about your auto insurance options is important. Each type of policy offers varying levels of protection. San Marcos Insurance Group can help you understand our most popular coverage choices.

  • Liability Coverage: In most states, having this coverage is essential and required by law. It will pay for any damages or injuries you may cause to other people in an accident. Opting for higher coverage limits than the minimum requirements can offer extra protection.
  • Collision and Comprehensive Coverage: Collision coverage will pay for any damage to your car in an accident. Comprehensive coverage pays for damage from theft, vandalism, or bad weather. You can buy both of these coverages separately or together.
  • Uninsured/Underinsured Motorist Coverage: This coverage will protect you if you get into an accident and the other driver either doesn’t have enough insurance to cover your losses or doesn’t have any insurance. Furthermore, it will also provide coverage if the other driver leaves the accident scene.
  • Medical Payments Coverage: Regardless of who caused the accident, this coverage will pay for medical expenses, hospital visits, and funeral costs.
  • Personal Injury Protection (PIP): Regardless of who caused the accident, PIP will cover medical expenses and lost wages. Additionally, it covers expenses related to rehabilitation and other accident-related services.

Understanding the different types of auto insurance coverage available can help you make an informed decision when shopping for car insurance. You can tailor your policy to meet your specific needs and budget. Don’t hesitate to contact San Marcos Insurance Group. We’ll find the best policy that suits your requirements in Chandler AZ. Remember, investing in the right auto insurance coverage can give you peace of mind and protect your finances and assets in an accident.

Tips for Choosing the Right Home Insurance Provider

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You want to protect your home, and having the right insurance policy can help you. But home insurance has a lot to consider, including which insurance provider you want to work with. If you’re in the Chandler, AZ area, San Marcos Insurance Group can give you some options and talk you through the choices you’ll need to make. Then you can work with a trusted agent you feel comfortable with and have an insurer who will honor their policy and make things right if you need to make a claim.

Finding the Right Insurance Provider

It’s always good to feel confident in the policy you have from your insurance provider, and when you work with us, you’ll have several providers to choose from. You won’t be limited to just one, making finding the right fit easier.

Look for an insurance provider who has good reviews, answers your questions, and talks to you about options. You want to have the very best policy for your particular needs, and that’s hard to do when you’re guessing what you need or what the policy offers. By working with us, you won’t have to do any of that. We take the guesswork out of that, so you get what you need.

Contact us today if you’re in the Chandler, AZ area. At San Marcos Insurance Group, we know how important it is for you to have a home insurance provider who cares. We’ll answer all your questions and help you choose an insurer who will meet your needs for protecting your house. Then you can enjoy your time there even more, knowing you have quality protection and great peace of mind for the future.

The Benefits of Health Insurance

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No one ever plans to get sick, but when it happens, you need to be financially prepared to cater for medical expenses. And with the rising costs of living, something as basic as healthcare can be very costly. That’s why you need to have health insurance with San Marcos Insurance Group to protect you and your family from the unknown. Plus, most people in Chandler, AZ are required to have health insurance or risk paying a penalty. Some of the benefits of having health insurance include:

Preventive Care Services

Several people have to deal with deadly diseases like cancer, diabetes, and obesity due to lack of early detection. Health insurance allows you one or more medical check-ups a year. This means that you have the chance to detect an illness early enough and treat it before it gets serious.

It Gives you Peace of Mind

No one wishes to get injured or ill, but it happens anyway and without warning. This means it could happen when you don’t have the financial ability to get proper medical care. With proper coverage, you don’t have to worry about that because your health insurance coverage will come in handy.

Offers a Wide Coverage

Health insurance offers several categories of health care services. They include inpatients care, doctor’s services, prescription drugs, pregnancy, maternity services, mental health services, pre-natal and post-natal services, dental services, surgeries, the list is endless.

Access to Certain Healthcare Services

In the event of an emergency, one second is all that is needed to save a life. Having health insurance may give you access to ambulance services and emergency room services.

San Marcos Insurance Group is here to help you find an affordable health insurance policy that suits your needs. We service the area of Chandler, AZ, and its environs. Contact us today for more information.