People that live in the Chandler, AZ area are going to want to ensure they continue to have access to quality healthcare. One way that you can ensure you will have access to the care that you need when you need it is by getting health insurance. Several benefits, in particular, come when you get a quality health insurance plan here. 

Access to Affordable Care

A key advantage of having health insurance here is that you can gain access to affordable care. Being able to see a doctor, receive medication, and have procedures done when necessary continues to be very important. One way that you can ensure you are able to get access to this care without spending way too much money is by having health insurance. A proper insurance plan will help to drastically limit your costs in some cases and ensure you have access to healthcare providers. 

Ensure Compliance

You should also get a health insurance plan to ensure you are in compliance with any requirements you may have. For the past several years, all people have been required to carry health insurance. Those that do not have this coverage will be in legal violation and could incur penalties. Evidence of coverage typically needs to be provided at the end of the year when taxes are filed. 

You should always have proper health insurance in place when you are in the Chandler, AZ area. If you are looking to build a health insurance plan here, you should call San Marcos Insurance Group. There are a lot of choices that you need to make when building health insurance. The San Marcos Insurance Group team can offer the insight you need to understand your options and then build a health insurance policy that is ideal for your situation. 

Starting and running any business in Chandler, AZ involves taking major risks, which is why you may want to focus on different insurance policies to protect it. At  San Marcos Insurance Group, we recommend having adequate liability to protect your clients and workers. So, if it’s your first time buying insurance for your business, here are the top 3 liability coverages to consider.

General liability insurance

Often known as business liability, general liability helps cover against claims from other people due to property damage or injuries. It also protects you against reputational harm and lawsuits that could result from late deliveries, poor quality products or services, as well as errors made by your workers.

Professional liability insurance

Professional liability insurance was first designed for people offering professional services,  such as attorneys, carpenters, engineers, accountants, realtors, and insurance agents. However, today any business person in Chandler AZ can get this policy to protect what they do as it protects the end product or the service offered if found faulty. For instance, if you sell a hair product that ends up damaging your clients’ hair, the policy can help pay for legal fees if you’re sued.

Employer liability

Employer liability is a critical component of workers’ compensation that helps pay for additional legal fees if your worker sues you for injuries beyond workers’ compensation. For instance, if one of your chefs gets injured when cooking, workers’ compensation will help pay for their injuries and replace their lost income. However, suppose the chef decided to sue you for not providing protective clothing. In that case, employer liability can help cover the legal fees.

Your business needs liability insurance. Don’t wait till it has grown to buy a commercial policy. It might be too late. If you have any questions or have trouble choosing your ideal liability coverage, feel free to speak to an agent at San Marcos Insurance Group, and they will be happy to help.