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4 Questions First-time Insurance Buyers Will Have

When buying insurance for the first time ever,
it’s only normal to have a ton of doubts, concerns, and fears in your mind. You’re not alone, and you shouldn’t be worried about asking your provider for more clarity.

Whether you have life insurance, apartment and home insurance, or auto insurance—or even a combination of all the above—you shouldn’t hesitate to ask your agent for more information.

Here are some commonly asked questions by
first-time buyers and new clients:

1.     What can you tell me about your company?

Knowing more about our company can help put your mind at ease, along with details about how long we’ve been in the business, our agents’ qualifications, our client profiles, portfolio of our work, what advantages we offer over competitors are all some of the key points to ask us.

We can tell you that our business focuses heavily on building long-lasting client-to-agent relationships across all our locations, including Lynwood, CA. Our focus and dedication to creating lasting customer bonds is what helps us deliver the kind of services we do and retain the type of relationships with our clients that help you trust us.

2.     What services do you offer clients?

We offer auto insurance, SR22, homeowners insurance, business insurance and life insurance to our clients, among others. You can also choose renters insurance, specifically
motorcycle insurance, as well as business auto insurance for our clients. You can also choose from a multitude of services and have policies underwritten for your individual or commercial needs.
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3.      Can I bundle my services together?

A lot of clients are looking to purchase multiple services for their needs; from home and apartment insurance to auto insurance Lynwood, you can combine our services and bundle them for more convenience. Our services are efficient, and our policies designed for your satisfaction, offering you savings upward of $500. You can count on us to offer you complete, cohesive services that meet all your needs.

4.     Who do I reach out to for issues with my claim?

Our agents are always available to help and assist you in any way necessary. You can count on us to guide you through any issues, be it with your coverage, or problems with your claim, changing your policy to accommodate more people and expanding needs, or adjusting your premium. We are more than happy to help you in any way possible.
Buying insurance can be daunting; this is why

you should work with an experienced provider such as our company. Contact us to get a free quote or learn more.

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Have a Small Business? You Still Need Insurance

Many small business owners make the mistake of undermining the importance of business insurance. All companies need insurance to protect them from potential lawsuits.

If you haven’t already got a policy, here’s why your small business needs
insurance coverage:

1.      It May Be A Requirement At Tradeshows and Other Events

Networking events like tradeshows, farmers’ markets, and business conferences are crucial for a small business’s success, but in order to attend these events, the organizers often ask businesses to show proof of insurance coverage.

The type and amount of coverage a venue will ask for depends on the nature of the event. For instance, where there is alcohol involved, companies will need to
present alcohol exposure coverage.

Businesses may need insurance for conventions, tradeshows, award ceremonies, company gatherings, job fairs, and speaking engagements.

2.     When You’re Signing a
Commercial Lease

If your small business is ready to move out of your basement and into commercial space, you’ll be asked for proof of insurance.

Lease documents typically require the tenant (you) to have business insurance and commercial general liability, aka CGL insurance. This coverage is needed to protect companies against property damage and personal injury claims, where a plaintiff may hold you responsible. 

Companies with small business insurance before signing a commercial lease may have to modify their policies to cover the new location.

3.     When You’re Buying Expensive Supplies

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People protect their homes, cars, jewelry and other pricey valuables with insurance policies—you’ll need to do the same for the expensive equipment you buy for your business.

Businesses need to think about investing in equipment breakdown insurance, property insurance, and commercial auto insurance as well. You’ll need these policies to protect you in case of theft, vandalism, and other issues that can harm your assets.

4.   Your Customers May Ask You For It

Customers often look for a company’s license and insurance policies to determine their credibility. A failure to show proof of insurance can lead to a lack of trust and loss of business. This is most common for service companies such as remodeling contractors, caterers, salons, etc.

Without insurance, a company can be held liable for injuring a customer or damaging another party’s property.

If you have a small business in Long Beach, CA, or nearby communities, get in
touch with Global Guard Insurance Services. As insurance service providers, we work tirelessly to find policies that are tailored to your needs.

Contact us today to learn more about business owner insurance Long Beach.

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3 Tips Your Insurance Agent Wants You to Hold On To

Before you settle on a plan and sign the premium, it’s important that you understand certain things about the way insurance works. As a business or individual purchaser, there are some tips and advice that you should hold onto before you commit to a plan.

Keep the following advice in mind when looking for cheap home insurance and motorcycle insurance quotes Lynwood, CA:

1.     Ask questions and clear your doubts

Insurance isn’t just a meaningless commitment you have to make; it’s a form of safety and guarantees for your business or personal assets, and one that you shouldn’t
embrace without question. It’s vital that you understand completely what you’re signing up and paying for. Are you unsure about the length of this contract? Do you need more clarity about the underwriter’s terms? What does the policy include? What will not be covered and included in your contract? How do you make a claim? There could be dozens of questions that are weighing down on you,
and you should ask your agent freely. It helps us to know where you stand and where you’re coming from too.

 You can also discuss other rates, and details, asking us for a breakdown and relevant information pertaining to your purchase. Speak to us about bundling multiple services too, and whether we can offer any sort of concession as a result of this.

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2.      Don’t expect to find the perfect premium

While we do our best to cater to your needs, it can be difficult to find a perfectly suited, tailor-made package. This is because, despite your needs and circumstances, the underwriter sets the terms for the policy. There is an element of restriction, despite the immense flexibility, which is why the terms come down to their evaluation of the risks. 

Another important factor to consider is that your assets might be high-risk, or there are other variables that affect your case, and understanding them can help put your mind at ease.  

3.     Learn to trust your insurance provider

You’re building a long-term professional relationship, and a part of that is to develop trust. Your agent’s job is to help you get the best premium and policy, and hiding or withholding information, doubting their intentions, and rushing through the process can do you more harm than good. Your agent needs to know what you’re paying currently, or what you did previously, in order to build your case to the underwriter, and you have to make a leap of faith to trust them.

For these very reasons, it’s important that you only choose a reliable agency. We offer some of the most cohesive, budget-friendly insurance policies in all of Lynwood, CA. Contact us to know more about our services, and to speak to one of our agents.