Chandler

Commercial Insurance for Outside Groups and Companies in Chandler, AZ

Posted on by agentinsure

If ever there is an instance your company allows for use of your property by another organization, company or group, it is necessary to have a quality insurance policy in place for this particular situation. It is necessary that said individuals receive at least minimal coverage upon physical injury or other issues occurring. You can obtain this through an agency such as San Marcos Insurance Group, which serves the greater Chandler, AZ area.

Read on to learn more about the insurance policy you will need when you have outside individuals using your commercial property.

The Basics of the Commercial General Liability Policy

Commercial General Liability policy (also known as CGL) keeps your business protected in terms of instances in which you would be held liable for negligent acts that are not of a professional nature. Though this commonly is thought of to protect the company from a customer suing after bumping into, tripping, or otherwise becoming harmed on the property, it also covers outside entities who become injured in some way.

In order to ensure that this is active and coverage will be in place, it may be necessary for a representative of the group to read a form explaining what will and will not be covered. This serves a two-fold purpose of lessening the burden on the injured party, and protecting your assets.  

How to Purchase a Commercial General Liability Policy

This may be purchased as a stand-alone policy. Also, you can purchase it as part of a Commercial Package or Business Owners Policy. A qualified agent in Chandler, AZ can explain the coverage you need for your business activities. Reach out to San Marcos Insurance Group today to get started.

 

Weathering the Damages

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Believe it or not, the climate you live in can make a significant difference in how long you can expect your car to stay in like-new condition. The salty sea air, for instance, can really wreak havoc on a finish. If you live in Arizona, you have your own concerns to consider, such as…

  • Sunshine

The harsh sun of Chandler, AZ can be a bit much at times, and it can cause your car’s finish to fade and peel long before its time. The best way to prevent this is with regular waxing. Lighter colors also tend to fade more slowly. And of course, you should use a reflector in your windshield in order to keep your steering wheel from melting right onto your seat.

  • Sand

Those fine grains of sand when you drive on the desert highways, they can do a number on your car. The most apparent damage will be done to the finish as it sort of sands away at the coat. Again, waxing can help here, as can regular washing to get rid of stand still clinging to the car.

  • Dryness

That desert dryness can do a lot of damage to your car. The hot pavement can fry the rubber like an egg, leading to a blowout. Your best bet here is to store your car in a garage or under cover when possible.

If you don’t take care of your car, you could be looking at higher premiums on your insurance when your provider sees that you’re constantly going in for repairs. Keep your car in good condition, drive safe, and contact us for some free quotes. Contact San Marcos Insurance Group today for more information. 

 

How Home Insurance Fraud Affects You

Posted on by agentinsure

Insurance fraud is a real issue when it comes to home insurance in Chandler, AZ. Fraudulent home insurance claims can be phony claims and fake property damage, to name a few. If you are considering exaggerating your insurance claim, don’t. If you know someone who you suspect committed insurance fraud, then you should report them because it affects you as well.

Fraud Drives Up Premiums

Fraudulent insurance claims are often paid by insurance companies. If you couple that with the fact that insurance claims are increasing, then it’s easy to see how fraudulent claims can increase the rate you pay for your home insurance each month. As a whole, everyone with insurance covers insurance companies’ costs. With more claims, the cost of covering your home can increase over time.

Fraudulent Insurance Claims Affect Risk Factors

Insurance companies consider a lot of risk factors when you apply for home insurance in Chandler, AZ. All those factors boil down to estimating the odds of paying out a claim. If there is a steep uptick in the number of claims in an area, then it could affect the rate you pay for insurance. You see, if there is an increased chance of paying out a claim, then the cost of protecting your property increases too.

The Cost of Fraud

The NCIB estimates that the cost of fraud can cost people between $200 and $300 each year. If you consider the fact that the additional cost of home insurance is completely avoidable, then it makes sense to report instances where you suspect someone is filing a false claim.

No matter what company you have for home insurance, you have a duty to report home insurance fraud. If you suspect someone in your area is guilty, then you can contact us or our Arizona Department of Insurance to inquire about the steps you should take to report their behavior.