When you’re operating a business in Chandler, AZ, it’s important to understand what kind of insurance options are available to you. Commercial insurance encompasses a variety of coverage options, including liability insurance.

At San Marcos Insurance Group, we can work with you to make sure that you have the right coverage for your business.

What is liability insurance?

Liability insurance protects your business in the event that something happens. You’re liable for what happens on your property. You’re also liable for what your employees may do when they’re on the job, whether they say something that costs someone money or they damage someone’s property while they’re providing a service.

If someone were to sue as a result of what your company did wrong, you could end up spending a lot of money. The liability coverage protects you to prevent this from happening. The only thing you would be responsible for is the deductible.

What is commercial insurance?

Commercial insurance encompasses all of the different policies that may be needed for your business. This includes not only liability insurance but also commercial property insurance, commercial auto insurance, business interruption coverage, and even worker’s compensation insurance.

What you need for your business is unique to what happens throughout the day as well as what you own. If you work out of your home, you might still need commercial property insurance since homeowner’s insurance won’t cover enough. The best thing to do is talk to an agent in order to learn the best way to protect your business. Since every business is unique, there’s no one-size-fits-all answer for what kind of commercial insurance you need.

Call us at San Marcos Insurance Group today to learn how to protect your business in Chandler, AZ. We look forward to helping you every step of the way.

 

When you are young and healthy, the last thing you are likely to think of is seeing the doctor, even for an annual checkup. Carrying health insurance would also seem to be optional, especially if you don’t have a job that provides it. San Marcos Insurance Group, serving Chandler, AZ, would like to inform you that even the young and apparently healthy need at least some kind of catastrophic health insurance.

First of all, you may feel healthy but be suffering from some disease or condition and not even know it. Your annual doctor’s checkup should let you know if you have some illness, say cancer, that could sneak up on you and carry you off too young. However, treating something like cancer or some other potentially fatal disease can be very costly if you aren’t carrying health insurance,

Also, you have to remember that accidents can happen even to the young. The damage that an auto accident, for example, can do to the human body can be horrendous and expensive to treat. An accident that causes permanent damage, such as to the spine, can result in the need for life-long rehabilitation.

An expensive hospital bill that you must somehow pay out of pocket even stretched out over many monthly payments, would be the last thing you need, especially if you’ve got student loan debt and a home mortgage. Health insurance, even with a high deductible, could alleviate the effect of medical bills on your lifestyle.

For more information on health insurance, feel free to contact San Marcos Insurance Group, serving Chandler, AZ.