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

Posted on by agentinsure

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?

Posted on by agentinsure

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

Posted on by agentinsure

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?

Posted on by agentinsure

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

Posted on by agentinsure

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. 

How Technology Is Changing the Way You’re Covered

Posted on by agentinsure

Technology is rapidly transforming nearly every industry, including insurance. When it comes to commercial auto insurance, advancements are making it easier than ever for business owners to stay protected and manage policies with greater precision. At San Marcos Insurance Group, we’ve seen firsthand how technology is revolutionizing coverage options for businesses in Chandler, AZ, and beyond.

Smarter Tracking and Faster Claims

Businesses now have access to tools like telematics and GPS tracking to monitor their fleets more effectively. These technologies help improve driver safety and provide valuable data that can influence commercial auto insurance premiums. In the event of an accident, claims can be processed faster and more accurately thanks to digital reporting and mobile apps, streamlining the entire process.

Easy Access and Personalized Coverage

Today, business owners can access essential information quickly and conveniently, often right from their smartphones. They can update vehicle details, obtain instant proof of insurance, and ensure their company’s vehicles are properly covered and compliant. With the help of data analytics and AI, insurers can now tailor policies to meet the specific needs of each business, providing customized coverage that aligns perfectly with your requirements.

The Future of Commercial Auto Insurance in Chandler, AZ

Digital innovation continues to advance rapidly, and the future of commercial auto insurance looks promising. The industry is poised to offer faster and smarter protection for business owners. By partnering with San Marcos Insurance Group, you’ll benefit from cutting-edge technology and personalized attention to keep your vehicles and team safe on the road. Contact us today for a free estimate or call us with any questions you may have.

Contractors Insurance Helps Cover Unexpected Property Damage

Posted on by agentinsure

Contractors handle a wide variety of work projects, and unexpected accidents or mistakes can lead to property damage or injuries that are costly to address. To protect their businesses from these financial risks, contractors can choose from a range of insurance products. At San Marcos Insurance Group in Chandler, AZ, we help our clients secure the contractors’ insurance coverage they need to safeguard their businesses against unexpected property damage and liability.

Common Property Damage Incidents

Accidents can occur at any time on a contractor’s job site. For example, an employee might accidentally knock over a paint can, cause a pipe to leak, or track dirt onto a homeowner’s carpeting. More serious incidents can also happen, such as a work vehicle damaging a building, a fire breaking out due to carelessness, or a structural collapse. These situations can result in significant liability for the contractor. Commercial insurance policies are designed to cover the costs of these accidents, helping businesses avoid severe financial losses.

How Contractors’ Insurance Protects Your Business From Unexpected Loss

Contractors may need various types of insurance, including general liability insurance, workers’ compensation insurance, commercial auto insurance, tools and equipment coverage, or other specialized policies. By selecting the right level of deductible, you can manage costs while ensuring your company has the coverage it needs to protect against expensive losses.

Choose San Marcos Insurance Group for Your Contractors’ Insurance Coverage

With so many insurance options available, choosing the right coverage for your business can feel overwhelming. Our agents are here to provide expert advice tailored to your unique business needs. Contact San Marcos Insurance Group in Chandler, AZ, today for a no-obligation quote on contractors’ insurance that will help protect your company’s financial health.

Using Endorsements to Cover Difficult Aspects of Your Commercial Property

Posted on by agentinsure

A commercial insurance policy provides essential protection for your business operations, but sometimes its coverage can be too broad or not comprehensive enough to address specific needs. At San Marcos Insurance Group in Chandler, AZ, we understand the challenges businesses face when trying to secure the right insurance coverage. Here’s how endorsements can help customize your policy.

Coverage for Non-Standard Elements of Your Commercial Property

Insurance coverage for commercial property is vital to protect against liability situations that could harm your business. However, some properties have unique features or aspects that are not covered by a standard policy. Adding an endorsement to your original policy ensures that these specific elements are protected.

How Endorsements Customize Your Commercial Insurance Policy

An endorsement attached to your existing commercial insurance policy allows you to benefit from both the original policy and the added coverage. You can file claims under the original policy for standard coverage, while the endorsement provides protection for specific aspects of your property that wouldn’t be covered otherwise. This customization ensures you won’t face unexpected out-of-pocket expenses.

Learn More About How Endorsements Protect Your Business

At San Marcos Insurance Group in Chandler, AZ, we understand that some businesses require additional coverage beyond what a traditional commercial insurance policy offers. We’re here to help you learn more about endorsements, how they work, and how they can address the unique aspects of your business. Contact us today to speak with an agent and find the right coverage for your needs.

Can I Get Health Insurance in Arizona if I Am On Medicare?

Posted on by agentinsure

For residents in Chandler, AZ, who receive Medicare and are wondering if getting additional health insurance is an option, the answer is yes. When you contact our agents at San Marcos Insurance Group, we will review your current coverage and discuss the available plans with you.

Benefits of Additional Health Insurance

While Medicare covers a variety of services, such as medical appointments and procedures, having additional coverage through a private provider can address gaps in your Medicare plan. This added coverage provides extra security and can help reduce stress in the event of a medical situation that results in costly bills.

For individuals who are still working while receiving Medicare, you may continue to be covered under your employer’s insurance plan. This is known as dual coverage, where the two insurance plans act as either primary or secondary coverage, depending on your age and the size of your employer.

If you are no longer working, private insurance companies offer Medicare Advantage plans. Depending on the plan you choose, you may gain access to additional coverage for services such as dental, prescription drugs, hearing, and vision, which may not be included in your original Medicare plan.

Contact Our Agents

At San Marcos Insurance Group, we understand that choosing an insurance plan is an important decision for residents in the Chandler, AZ community. With our commitment to excellent customer service, you can rely on us to guide you through the process, explain the plans thoroughly, and help you select the policy that best suits your needs and lifestyle. Contact us today, and let us assist you in finding extra coverage that fits your medical needs and budget.

What add-ons and endorsements do I need for my Home Insurance policy?

Posted on by agentinsure

At San Marcos Insurance Group in Chandler, AZ, we emphasize to each client the importance of assessing their specific insurance needs and potential risks of loss. You may need coverage for your home beyond what comes standard. In this article, we’ll discuss add-on and endorsement options for your home insurance policy, which provide added protection for many costly disasters.

What Comes Standard on a Home Insurance Policy?

Basic homeowner insurance includes coverage for your dwelling (your home itself) and other structures (such as sheds or detached garages). Standard policies also compensate you for damage to your personal belongings and additional living expenses if you’re displaced after a covered incident. Additionally, you and your household members are covered for personal liability in case of a lawsuit for accidentally injuring someone or damaging their property.

Standard home insurance typically covers perils such as fire, windstorms, lightning damage, hail, explosions, vandalism, or theft.

What Could Your Policy Be Missing?

While standard home insurance provides great protection, there are additional options that can be helpful:

  • Replacement Cost Value (RCV): Standard policies often compensate you based on actual cash value (ACV), which factors in depreciation. Replacement cost coverage increases your compensation to reflect current market rates.
  • Sump Pump Overflows and Water Backups: This add-on protects your dwelling and belongings from water damage caused by these issues.
  • Major Equipment Breakdowns: Coverage for mechanical or electrical failures of essential equipment like HVAC systems or water heaters.
  • Special Endorsements: Earthquake and flood coverage can be added separately, as they are not included in standard policies.
  • Scheduled Personal Property: Coverage for specific high-value items like fine art, collectibles, and jewelry damaged in a covered incident.
  • Identity Theft Protection: Coverage for expenses related to identity theft recovery, credit monitoring, lost wages, and legal fees.

For More Information on Insurance Add-Ons and Endorsements

Contact us at San Marcos Insurance Group in Chandler, AZ, to review your homeowner policy and discuss your options with an agent—call (602) 362-3360 to schedule an appointment. We’re here to provide reassurance during life’s unforeseen events.