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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.

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How Much Car Insurance Do You Really Need?

With the excitement of buying your first car comes a bunch of additional paperwork and costs you didn’t want to think about—car insurance is one of them.

As you browse through the options different insurers are offering, you’ll find
yourself asking:

“How much car insurance do I really need?”

The quick answer to this is that you NEED the minimum amount your state
requires you to have. That being said, minimum car insurance may not cover all
your needs in an accident.

Are you really willing to risk your life to save money, or would you rather find a
policy that provides adequate coverage with affordable premiums?

You need to find a policy that provides the following:

·        Up to $100,000 to cover the cost of medical bills of those you may injure in an accident

·        A $300,000 cap per accident to cover all costs you may incur

·       $100,000 to cover any property damage and repairs for other
drivers

Why Minimum Levels of Liability Are Not Recommended

Car-damaged-in-an-accident

Although it’s tempting to go for the most affordable auto insurance policy, it’s not useful. When you’re paying for car insurance, you should be able to rely on it in your time of need.

You’ll be happy paying low monthly premiums, but in case of an accident, you’ll regret not having a better auto insurance policy.

Minimum liability only makes sense when you can’t afford to pay any more money, and you don’t have any assets that can be taken from you if you’re in an accident.

If you don’t have savings or any valuable assets, you become “judgment proof”,
meaning if you lose after a plaintiff decides to take you to court, they can’t take anything from you because you don’t have assets.

Experts Advice on Auto Insurance Coverage Recommendations

Experts have developed three liability insurance levels that car owners can use as a reference when buying auto insurance.

The levels are split into three numbers.

The first and second are for bodily injury liability. This pays for the hospitalization bills of anyone who is injured due to your mistake. The first
number is the limit per person. The second number is on a per accident basis.

The third number refers to property damage; it includes the cost of repairs and
replacement of the plaintiff’s property.

Three levels of minimum liability insurance:

·        50/100/50: This level is most appropriate for anyone who has a very tight budget and owns an older car, and only drives when needed. It’s best for elderly people and college students.

·       100/300/100: This level is most suitable for middle-level income earners with adequate savings.

·        250/500/100: This level of insurance is best for car owners with a lot of money saved up. If the policy buyers can afford to invest in an umbrella that costs a million dollars or more, they should go for it to protect them from losing assets in an accident.

If you’re having a hard time finding the best auto insurance policy for you, get
in touch with Global Guard Insurance Services.
We’re a client-centric insurance services provider that is fully committed to helping our clients find insurance policies that meet their needs.

We offer reliable insurance services in Long Beach, CA. Contact us today to get an auto insurance quotes Long Beach.

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What Every First-time Apartment Owner Needs to Invest in for their Needs

If you’ve saved up enough to buy an apartment
to settle in because, let’s face it, not everyone can or even wants to own a home, you should start by patting yourself on the back for this achievement.

Next, if you’ve found the right apartment to move into, you should look into the safety and general features of your home, in addition to food, kitchenware, bedroom and bathroom essentials and more. As a first-time homeowner, there are some things you should invest in, including:

1.     Security for your space

First thing’s first, your home needs to be secured. This means you should have locks for your doors and windows, peepholes and other necessary safety measures to keep away burglars and other intruders. Most buildings will have a security system, so you shouldn’t worry, but it’s still important to whatever you can to make your home safer. You can also look into buying additional locks, cameras, and other essentials.

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2.      Maintenance and repairs

Now that your home is secured and safe to live in look into maintenance and repairs that it needs.
Although apartment buildings tend to have regular maintenance, it’s vital that you look into specifics. You could hire a professional contractor for this purpose, too, having them evaluate and check for water damage, electrical

issues, drywall and other such problems, so you have a ballpark estimate of all the repairs that you need.
This is especially important for the next thing that you do because your home insurance will not cover maintenance anyway. This is why getting the necessary maintenance work done before buying a premium can make a difference.

3.     Home and apartment insurance

We offer residents of Paramount, CA homeowner and apartment Insurance Paramount. Our premium helps you protect your rights as a homeowner while ensuring that your move is safe and successful. You shouldn’t have to worry about theft, damage and other issues that come with owning a home because we’ve got you covered.

Get a free quote for our homeowner insurance Paramount here, or contact us to know more about our services.

Other things to look out for include appliances and electronics, paint, lighting, and bathrooms, fixtures, and more aesthetic concerns such as décor. Buying your first home is exciting, but the checklist is lengthy—but so worth it!

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Here’s How Motorcycle Insurance Works in Paramount, CA

Motorcycle crashes can cause very serious injuries to both the driver and the guest passenger. According to the experts at Forbes, for motorcyclists to be safer on the US roads, there is a need to:

.        Invest in crash warning and prevention systems

·        Get adequate motorcycle insurance

Here’s all you need to know about motorcycle insurance in Paramount, CA:

How Are Motorcycle Insurance and Car Insurance Different?

Motorcycle insurance coverage is different from traditional vehicle insurance. The insurance that covers your regular passenger will not pay for the damage if
they crash on their motorcycle. Anyone driving a bike without the required
insurance will be subject to the same penalties as someone driving a regular
uninsured vehicle.

If you’re driving a car, your auto insurance policy covers your passengers too.
However, in the case of a motorcycle insurance policy, you need to buy separate passenger liability coverage for the guest. 

Other than that, personal injury protection from motorcycle insurance is generally more expensive compared to car insurance. This is because motorcycle crashes lead to far more severe injuries than car crashes. According to Reuters, motorcycle crash injuries also cost twice as much as car crash injuries to treat. 

For the motorcycle insurance, you might need to pay additional premiums if you have add-ons like a backrest, helmet, and saddlebags

An insured motorcyclist on the roads in Paramount, CA

Uninsured Motorist Coverage

Uninsured and underinsured motorist coverage provides financial protection if you’ve met an accident and you aren’t at fault. Let’s say another driver is at fault and they aren’t insured enough. This coverage will help you pay for the damages. The uninsured and underinsured motorist coverage usually pays for medical costs, bike repairs, and other expenses. If you don’t have the policy, you’ll have to pay for the damages yourself. This is like an additional assurance that makes the overall policy more affordable.

Required Levels of Coverage

The required levels of motorcycle insurance coverage are the same as that of your car. The law of California mandates that each policyholder purchase a minimum amount of 15/30/5.

This means that your policy must include $15,000 for bodily injury incurred by
someone else on the accident site, $30,000 for injuries sustained by the
passengers, and $5,000 for any property damage. These are the minimum amount of coverage requirements. However, you can always purchase higher coverage than the minimum requirements.

Cheap Motorcycle Insurance in Paramount, CA.

Global Guard Insurance Services is your go-to option for affordable motorcycle insurance quotes Paramount, CA. We also specialize in renter’s insurance, business auto insurance, homeowner insurance Paramount, and renter’s auto insurance. Get in touch for a quote!