San Marcos Insurance Group in Chandler, AZ is in the insurance business to protect businesses by sustaining businesses and the livelihoods of its owners.  A  small business is a company with less than 500 employees. In Arizona, there were 488,456 small businesses.  In 2011, Forty-seven percent of the states private-sector jobs were employed in a small business. Therefore, commercial liability coverage is critical for Arizona’s small businesses.

What are the insurance needs of a particular business? Each business has its unique product being promoted by mom and pop stores or corporations.  San Marcos Insurance Group agents examine the business with its owners to determine what insurance coverage is needed that will address financial losses due to a fire and even loss of business reputation. 

Other important considerations include the business location employees, the Gross annual revenue, does the business rent or own its vehicles, and does the business rent, lease, or own the businesses’ building.

The commercial insurance instruments would include:

*   Commercial General liability policy
*   Workers’ Compensation
*   Business Owners Policy (BOP)
*   Cyber Insurance
*   Commercial Auto Insurance
*   Professional Malpractice Insurance
*   Directors and Officers Insurance

Commercial General Liability Insurance

In Arizona, commercial general liability insurance is not mandatory. However general liability insurance protects your business from claims of another person or business. The policy will also pay for property damage to your client’s server resulting in data loss, claims of a bodily injury which seeks the payment of medical costs due to a client being injured on the business premise or even any damage to the reputation of your client.   

Business Owners Policy (BOP)

A general liability policy only protects your client’s damage to his or her property. A Business Owners Policy (BOP) will protect your property,  especially if you own the businesses building.  The type of the owner’s business includes, such as computers, printers, and furniture from damage as a result of a fire or a flood, and protects the business as a result of dishonest employees.  

The agents of San Marcos Insurance Group in Chandler, AZ will walk you through all your business insurance needs.  Please call for an appointment!

If you are getting married soon you know that there are a thousand little details that go into planning a wedding. However, few couples realize the many more small and large details that go into planning a life together. Life insurance may not be at the top of your wedding planning to do list, but it should definitely be on your, "things to discuss before we get married list." Here are few life insurance topics that you should discuss with your soon to be new spouse. 

Do We Have Life Insurance?

You would be surprised at how many couples have never even discussed with their significant other their current life insurance coverage. This is important information to know because a spouse is almost always the beneficiary on a life insurance policy. If you or your fiancee do not have life insurance at all, then this is a great time to start looking into policies together. 

How Should Coverage Change After Marriage?

Many life insurance policies will offer a different rate for a married couple than for a single person. There are many reasons for this. But if you do already have an existing life insurance policy then you should talk with your life insurance agent about how your plan should change now that you are getting married and how you should add your spouse to the policy. 

Should You Increase Coverage After Marriage?

Many people determine that life insurance coverage should change somewhat after marriage to reflect the financial needs of each spouse. For instance, if you want to make sure that your spouse and children are provided for your coverage will look much different than that of a single person who has no such concerns. 

If you would like to speak to an insurance agent about these or other topics, please contact us at San Marcos Insurance Group in Chandler, AZ. 

At San Marcos Insurance Group, we value your safety. That’s why we’ve put together a guide to help you create an emergency kit for your car. Whether you get stranded in the heat of Chandler, AZ, get injured in an accident, or face any other type of peril on the road, an emergency kit can help get you through it. This list will give you some of the basics, but you should also take some time to sit down with your family and come up with items that are unique to you that you would need in an emergency. Your car emergency kit should include both items for your car and for you.

For your car:

• Jumper cables

• Flares

• Ice scraper

• Cat litter, ash, or sand

• Spare tire

• Empty gas can

For you:

• Water

• Non Perishable snacks and food

• Blankets

• Phone charger

• First aid kit

• Flashlight and batteries

• Pocket knife

• Maps

• Cash

Other things to consider:

If you often travel with your pets, make sure you keep them in mind as well. Consider including their food, some extra water, and a leash or carrier as part of your kit. If you have babies or small children, you also may need to include: diapers, wipes, formula, and toys.

There are many other things you could include based on your family’s needs and habits, but this basic list will make sure you have the essentials. You never know when you could face an emergency in your car, so it’s always best to be prepared. Think about what you would need if you’re near Chandler, AZ, but also think about other areas and climates as well. The further you are from home, the more essential your emergency kit becomes. Another important way to be prepared is to have quality car insurance. Contact San Marcos Insurance Group today to talk about your existing policy or to get started with a new policy.

Choosing a health insurance plan in Chandler, AZ can be complicated, since there is a lot to think about. If you aren’t able to get insurance through work, you should contact an agent at San Marcos Insurance Group to discuss plan options.

First compare the different types of health insurance plans. Common types include HMOs, PPOs, EPOS, and POS plans, and all come with positives and negatives. Determining your plan will help you determine what out-of-pocket costs you will be responsible for and the doctors you can see.

It’s impossible to be able to foresee every medial expense, but looking at the amount and types of treatment you have received in the past can help you make a better decision. If you want to be able to choose doctors, pick a PPO or EPO. If you are okay with seeing a primary care physician before a specialist, then choose an HMO or POS.

When deciding on plans, look at the health plan networks. In order to save on costs, you will want to see doctors that are in the network. If you have preferred doctors you want to keep seeing, look to see if they are in the plan you are considering. Larger networks are helpful in small areas, since you are more likely to see doctor locally who will accept your insurance.

Compare out-of-pocket costs. Look at the deductible, copays, and consinurance to get an idea of what you could be spending each year in order to choose the best plan for your family. Once you have narrowed down plans based on network and costs, look at benefits. This will help give you the coverage that is needed for your family. Plans are required to cover certain things, but some plans may provide better coverage for mental health or physical therapy. Ff you use these services you will want, it is a good idea to choose these plans.

Contact San Marcos Insurance Group, serving Chandler, AZ, to get a quote on health insurance.

No one wants to think about what life insurance but when you decide to purchase your policy, you will need to choose a beneficiary. In Chandler, AZ, the agents of San Marcos Insurance Group are available to discuss your needs and help you choose the right beneficiary who will be able to make sure the money is used the way you want it to be.

Choosing Your Beneficiary

When you first start to think about choosing a beneficiary, you want to choose someone who is both reliable and committed to following through with your wishes. Your beneficiary will be responsible for paying off any debts you have left behind. They will also be responsible for taking care of your family’s needs. They can set up trust funds for minor children or work with your attorney to ensure that money is allocated for the health needs of a family member.

Who Is the Best Choice

In most cases, the beneficiary of any type of life insurance policy is the spouse or a family member. If there is a double indemnity clause and the amount of money is significant, you may want to choose an attorney or financial advisor as your beneficiary to make sure everything is handled according to your wishes.

In Chandler, AZ, the agents of San Marcos Insurance Group are always available to answer questions and let you know what type of policies will best serve your purpose. Call and schedule an evaluation so that you can get the type of policy you want in place and protect your family from financial disaster. Don’t wait! Talk to one of the agents today and get the process started!

Arizona is one of the most competitive states in the nation in terms of business. It is also a state that is relatively heavily regulated. If you want to be able to scale without fines, then you must remain in compliance with all commercial insurance requirements in the state.

The right policy will protect your business from unexpected emergencies and serve as a shield against state regulators. Here are the characteristics of a good commercial insurance policy for Chandler and surrounding areas.

• Commercial automobile insurance – If you use a car in your business, you need a separate protection outside of your personal auto insurance. This is true even if you are not in the commercial transportation industry. Commercial auto will include comprehensive, collision and liability insurance as well as medical payments.
• Business general liability – Legalities are always increasing in the world of business, and umbrella policies do not cover specific business-related expenses. In order to protect your business, you will need a liability policy that specifically covers your company.
• Worker’s Compensation – This is one of the most important kinds of insurance policies that you can have on your business. It is especially important if you are dealing with large amounts of inventory or warehousing. Worker’s Compensation policies will cover any unfortunate incidents that occur on your premises with your employees.

The San Marcos Insurance Group serves the business community in and around Chandler, AZ with commercial insurance. When you are ready to protect your business and stay in compliance with state law, give the dedicated experts at the San Marcos Insurance Group a call or an email to help with your policy.