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Finance

What Is General Liability Insurance?

General liability insurance (GLI) is also known as commercial general liability insurance or company liability insurance. When bodily injury or property damage claims are made against your company during regular business operations, this sort of liability insurance coverage can aid. Without general liability insurance, you would be responsible for covering any out-of-pocket medical costs and property losses.

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  • General liability insurance can also help pay for:
  • A customer or client slipping and falling in your business and needing medical treatment
  • Your employee accidentally damaging a customer’s wall while working in their home
  • Defense costs from lawsuits against your business
  • Judgments and settlements from a customer or client’s lawsuit

Who Needs General Liability Insurance?

In the next ten years, four out of ten small business owners are likely to suffer a property or general liability claim1. Claims can be related to unanticipated events like burglaries or unforeseeable catastrophes like a customer getting hurt after slipping and falling.

How Much Does General Liability Insurance Cost?

The price of your general liability insurance might range from a few hundred to a few thousand dollars each year depending on a number of factors. Your sort of business is a significant factor. Compared to enterprises in lower risk industries, businesses in higher risk industries pay more for general liability insurance.

For instance, insurance bids and rates are likely to be greater for construction companies than for consulting firms. The following aspects of your company can also influence the price of liability insurance:

  • Age
  • Location
  • Number of employees
  • Building condition
  • Policy details, like coverage limits and deductibles
  • Insurance claims history

Getting insurance quotes is the best approach to determine how much your commercial general liability insurance will cost. Your policy can be modified to meet your unique needs. Find out how liability insurance can defend your company by requesting a quote today.

Why Do You Need General Liability?

Liability insurance coverage aids in defending you against pricey general liability lawsuits that may arise in typical business circumstances, such as:

  • You or your staff are speaking on behalf of a client.
  • Meeting with clients face to face
  • Working on or with another person’s property
  • Using third-party locations for business activities
  • Advertising your business

If any of your clients want this insurance, you might also need it. Before they get into a contract with your company, many clients want to be sure you are covered by general liability insurance. A certificate of liability insurance is proof that you have general liability coverage. Increase your company’s security by purchasing commercial umbrella insurance that will protect you, your staff, and the cars you drive, lease, rent, or own.

Is General Liability Business Insurance Required by Law?

State laws often do not mandate general liability insurance for business owners. Nevertheless, having this liability insurance coverage is a wise idea. Your company’s finances as well as your personal assets may be at stake if a consumer sues you and you don’t have insurance.

It’s crucial to comprehend the insurance regulations in your state. To assist you in selecting the appropriate business liability insurance, work with a nearby insurance firm or our knowledgeable small company insurance team.

Increase Your Protection by Purchasing Professional and Limited Liability Insurance.

You can segregate your personal assets from your business assets by forming an LLC. However, you remain open to liability claims that could financially jeopardize your company. A limited liability insurance policy can assist in safeguarding your LLC and provide coverage for lawsuits stemming from property or bodily harm brought on by your company.

A professional liability insurance policy can defend your company in the event that you are held liable for errors in the professional services you rendered. Errors and omissions (E&O) insurance is another name for this type of protection.

Request a quote for general liability insurance.

Different insurance providers exist. It’s crucial to work with someone you can rely on and trust. We have more than 200 years of experience assisting small business owners in securing coverages like general liability insurance for their enterprises.

We have your back whether you need assistance with obtaining a quote, comprehending general liability class laws, or making a claim. Start a free estimate for general liability insurance with us today to discover more. We can also assist you in obtaining other crucial company insurance policies, such as commercial auto and property insurance.

Many small businesses need Business insurance. You can get the coverage by adding it to your Business Owner’s Policy. To learn how you can protect your business, get an insurance quote today or call 800-750-9115 today.

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Finance

Business Insurance Types

The Best Forms of Business Insurance

There are numerous insurance choices available for company owners. Insurance shields your business from a variety of dangers that could arise in the course of daily business. It might be difficult to decide what type of company insurance you require, but we can assist you.

For their small business insurance requirements, many business owners begin with a Business Owner’s Policy (BOP). It incorporates three crucial protections:

We made our BOP adaptable so you can increase your protection by adding additional commercial insurance policies. For instance, you might wish to purchase a professional liability insurance policy if your company offers consumers a professional service. It can assist in defending your company against allegations that it rendered subpar professional services.

We are aware that every company is unique. We’re here to assist you get the appropriate kinds of company insurance because of this.

Consider These 8 Types of Insurance for Small Businesses

Depending on the industry you’re in, you might need to obtain several types of insurance. That’s because each firm deals with different risks and obstacles.

While there are other insurance options available, this article will focus on eight policies that many small businesses might get to help safeguard them against a range of dangers.

1. General Liability Insurance (GLI)

 Your company can be shielded from lawsuits by purchasing general liability insurance.

  • Bodily injury to someone else
  • Property damage to another person’s belongings
  • Personal injury, like libel or slander

2. Commercial Property Insurance

The facility and equipment you own or rent to conduct your business are protected by commercial property insurance.

Be advised that neither earthquake nor flood damage are covered by this insurance. To protect your company from these types of claims, you’ll probably need to get a different policy, such as commercial flood insurance

3. Business Income Insurance

Firm income insurance can assist in making up for lost income if covered property damage prevents you from operating your business. Therefore, you can utilize this coverage to subsidize recurring costs like rent, utilities, or wages. Business interruption insurance is another name for this kind of coverage.

4. Professional Liability Insurance

Litigations alleging errors in the services you rendered are covered by professional liability insurance. Also called as errors and omissions (E&O) insurance, this kind of coverage.

5. Workers’ Compensation Insurance

If one of your employees is injured or becomes ill while working, workers’ compensation insurance provides benefits. These advantages may assist:

  • Pay their medical expenses
  • If they miss work to heal, replace the majority of their lost pay.
  • If they pass away as a result of an illness or injury sustained at work, pay for funeral expenses.
  • Pay for continuing medical care, such as physical therapy.

The majority of states mandate that companies with employees maintain workers’ compensation insurance. If you break the law in your state, you could be subject to fines, jail time, and criminal charges.

6. Data Breach Insurance

If personally identifiable information is lost or stolen, data breach insurance can assist your company deal with the situation. This coverage may be known as cyber insurance by some insurers.

Data breach insurance can assist in covering your expenses for:

  • Notify those who will be impacted
  • provide services for detecting identity fraud
  • Create a public relations campaign

7. Commercial Umbrella Insurance

Some of your liability plans’ coverage limits are increased by commercial umbrella insurance. So, if a claim is more than the policy’s maximum, your umbrella insurance may assist make up the difference.

8. Commercial Auto Insurance

If you use company-owned vehicles for business purposes, commercial auto insurance can help to protect you, your drivers, and your passengers. In the event that your firm causes an accident, it may help pay for property damage and physical injury claims. This is crucial because if you cause an accident with a company vehicle, your personal auto insurance won’t aid with third-party claims.

What Various Insurance Types Are Needed for Small Business Insurance?

The law may require you to carry particular forms of insurance, depending on your sort of business and where you reside. For instance, the majority of states mandate workers’ compensation insurance for firms. Some states have industry-specific regulations for business insurance. Accountants, for instance, might need to purchase professional liability insurance.

Make sure you are aware of the requirements for business insurance in your state. To be sure you’re adhering to rules, you can consult with an insurance agent. They can assist you in creating an insurance plan that suits your demands and financial situation.

Discover the types of business insurance that can be necessary.

Business insurance coverage is crucial, regardless of the size of your company or any market trends. When startups initially open their doors, it can help them build a solid foundation. Additionally, it’s crucial for seasoned business owners because the requirements for a policy may alter over time based on your industry and the types of insurance you carry.

More than 1 million small business owners have benefited, which has 20 years of experience. The same is what our experts wish to provide for you. We can help you to obtain the forms of commercial insurance that your firm requires. Find out how we can assist you by requesting a business insurance quotation today or  call us at  800-750-9115

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Finance

Why does insurance often provide peace of mind?

Insurance is an interesting product. It’s so old that even Shakespeare referenced its existence, yet it still has relevance today. Some people see insurance as a waste of money if they don’t need it, but this isn’t always the case. Insurance can be a very useful safety net if something unexpected happens. Here are some reasons why:

Small business owners often think insurance is too expensive or not necessary.

Many people don’t realize that insurance companies pay out millions of dollars every year. It’s true! Most insurers are in business to make money, and they need to keep paying out claims to do so. If they didn’t, they’d go out of business—and the whole system would collapse because no one would take out insurance anymore.

Most people don’t like surprises. When you’re insured, it’s rare that you’ll be surprised by the cost of an emergency. For example, if your car gets damaged in a fire or someone crashes into it while driving drunk, insurance will help pay for the damage to your vehicle and other expenses related to the accident. Without insurance, these kinds of unexpected costs can be financially devastating and make it difficult for you to get back on track. This means that even if an incident seems minor at first glance—like a broken window—insurance can help prevent any further financial complications from arising out of that incident later down the line.

Insurance can help lower transaction costs, which is good for everyone.

  • Finding a trustworthy and reputable contractor
  • Buying or leasing equipment for your business
  • Making sure that the contractors you’ve hired know what they’re doing and won’t botch up your project (or, worse yet, steal from you)

Insurance can be a very useful safety net if something unexpected happens.

Imagine you are at work and suddenly your car gets into an accident. You need to get to the hospital right away, but the ambulance can’t come because of the bad weather. What do you do?

With insurance, this is no longer a problem. If you have medical insurance, your medical bills will be covered by your health plan if you are hospitalized or treated at home by a doctor. And if it happens that nobody is responsible for the accident—for example, everyone was driving carefully but other drivers took advantage of bad weather conditions and crashed into each other—your car insurance might cover some or all repair costs as well as any loss of use for two weeks while it’s being repaired.

If one person does end up responsible for an accident caused by another party’s negligence (like speeding or running a red light), there may be legal action taken against them as well on top of their own coverage limits under their own policy provisions (if they’re insured). Insurance companies will generally fight hard on behalf of their clients when they believe they’re right in claiming that someone else was negligent in causing an accident involving their client vehicle(s).

We hope this blog has helped to explain why insurance is such a popular product. While it’s true that not everyone needs it, we believe that most people should consider purchasing from Global Guard Insurance. There are many different types of policies available today and they all differ slightly from one another in terms of how much coverage they provide or how much money will be needed out-of-pocket before an accident occurs (or both).

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Finance

Bad car battery vs. Bad alternator

Bad car battery vs. Bad alternator

The battery provides the power for your vehicle’s engine to start each day. When the battery begins to fail, it is simple to replace. A bad alternator, on the other hand, fails to properly recharge your battery as the car runs. If the alternator fails, it will cost more to repair than a dead battery. The symptoms of a bad alternator are like those of a bad battery, making it difficult to pinpoint the exact problem. Knowing the various warning signs of each going wrong can be beneficial.

Symptoms of a Bad Battery

Almost everyone has had to jump-start a car battery or witnessed someone else do so at some point. Assume you try to start your car in the morning, and it won’t start. Perhaps you left an interior light on all night, causing your battery to die, but it could also indicate that your battery is failing.

According to Matthew Hart, owner of AxleWise.com, the following are signs that your battery is failing:

  • It’s difficult to start the car.
  • Once started, the car’s battery does not last long.
  • Taillights and headlights that are dim or flickering.
  • Reduce the brightness of the interior and dashboard lights.

Car batteries typically last three to five years, but other factors can reduce their lifespan. Additional accessories connected to a car battery, such as an internal inverter, can shorten its overall lifespan. If you’re having problems with your car, check the battery. “There may be corrosion around the points on the battery,” says Patrick McCann of WeTryTires.com. This corrosion can be a sign of degradation, but the battery may also require cleaning. If your battery is starting to fail, your vehicle may have a warning light indicator on the dashboard.

Symptoms of a Bad Alternator

The battery in your car is charged, but the alternator works to recharge it while the vehicle is running. That’s why you can drive all day without recharging your battery but leaving the lights on overnight will drain it. If the alternator fails, the battery will no longer be able to recharge while the engine is running.

Here’s how to tell if your alternator is malfunctioning. If the car dies after a jump start, this is one of the most obvious signs. Even if the battery fails, the alternator should provide enough current to keep the vehicle running. If it doesn’t, your alternator should be checked.

“If your alternator is going bad, you might see the voltage meter on your dashboard start to drop, or your car might start to vibrate while you’re driving,” says Matthew Hart. The vibrations are typically caused by misfires within the spark plug caused by a lack of current from the alternator.

According to McCann, another way to tell if you have a bad alternator is to check the battery voltage after charging it. “If the [battery’s] voltage is low, replace it with a new battery or charge it to the recommended 14.2 to 14.7 volts,” he recommends. “Then try to start the vehicle and see if the voltage after that falls outside of that range.” If it is, it indicates a faulty alternator.”

How to Repair a Faulty Battery or Alternator

If your battery dies, you can replace it at almost any auto parts store. Many stores include battery replacement as part of the purchase price. If your know-how, you can also replace it yourself. Conduct research to find the best battery for your requirements. Repairing an alternator may be more expensive than replacing the battery. The price you pay will be determined by the make and model of your vehicle, as well as the cost of parts and labor.

If your battery or alternator fails, you should have your vehicle inspected by a mechanic. While the symptoms of a bad car battery versus an alternator are obvious, they can also indicate other, more subtle mechanical issues.

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Finance

Can you afford NOT to get Insurance?

Can you afford NOT to get Insurance?

Insurance can be expensive. Because it covers you for a variety of potential claims, the cost can add up quickly. However, if you don’t have insurance and something does happen, how will you afford to cover the costs? We’ll look at different types of insurance policies and when you might need them. Then we’ll look at how to reduce your premiums while still maintaining adequate coverage levels:

Do you know what your budget is for insurance?

The first step to establishing your insurance budget is knowing exactly how much you can afford to spend. This means considering your monthly income and the costs of running your business including rent, utilities, and payroll. You should also consider any other financial obligations you including rent, utilities, and payroll. You should also consider any other financial obligations you may have, such as student loans or credit card debt. Your total expenses will determine how may have, such as student loans or credit card debt. Your total expenses will determine how much you need for your business insurance coverage.

To get started on this process, make a list of every item that needs to be covered by insurance and add up the cost per month. People being injured while riding in one of these vehicles during normal operations or property damage caused by an accident involving one of them going above its limits under normal operation conditions (i.e., speeding).

Are you satisfied with the price and features of your current insurance?

If you are not satisfied with the price and features of your current insurance, it’s time to shop around. There are several ways to compare quotes from multiple providers:

-Google search “car insurance” and see what comes up
Use an aggregator such as Google Compare or Gocompare.com
Ask your friends and family for recommendations on their insurance providers (but don’t tell them why!)

-The best way to make sure you have the best insurance is to compare quotes from multiple providers.

The following information will help you choose a company that provides the best value for your money:

-Get quotes from at least three different companies, and don’t be afraid of calling around or even switching between companies over time. A good rule of thumb is that if you’re paying more than $100 per month for car insurance, then it’s worth looking for a better deal elsewhere.


-Never pay for any service related to your policy without first getting at least one quote from a competitor that offers similar coverage and features but at a lower price point (or better customer service).


-Comparing insurance quotes is easy with Global Guard Insurance plus it’s free. The best way to make sure you have the best insurance is to compare quotes from multiple providers because an increasing number of Americans are finding that they can save big by switching here at Global Guard Insurance.

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Finance

Why do I need Renter’s Insurance?

Understanding Renter’s Insurance

Renter’s insurance protects you if your stuff is stolen or damaged in the event of a disaster such as a fire, flood, or earthquake. Renter’s insurance also covers liability if someone is injured on your property.

Renter’s Insurance works by paying out funds to replace items you own that are destroyed in an accident, natural disaster, or theft. You can choose how much coverage you need up to the limits set by your policy. Sometimes this means choosing what items aren’t covered by your policy so they can be excluded from coverage and not affect the price of your premium. For example, jewelry may have very high value but also low replacement cost, so it makes sense for most people not to include it on their policies (jewelry typically has its insurance). If something happens to one of these excluded items, then there won’t be any costs associated with replacing them.

Renting a home comes with certain risks like those mentioned above, especially when living near parties held in common areas like hallways leading upstairs into apartments where residents live! This means having protection against lawsuits filed against us for personal injury due to poor judgment while intoxicated during social gatherings where alcohol consumption was present!

Protect Your Personal Property with Renters Insurance

Renters insurance is a special type of coverage that protects your personal belongings against losses caused by fire, theft, and other perils.

While renters’ insurance may seem like homeowners’ insurance (which protects your home), there are some differences. For example, renters’ insurance covers the items inside your apartment or house—from a television set to furniture and clothing—while homeowners insurance covers things like the walls, flooring, and plumbing in addition to personal property.

Renters also have different deductibles than homeowners. Deductibles refer to the amount you must pay as part of a claim before an insurer pays out any money on your behalf; they’re typically higher with renters’ policies because they cover smaller amounts of property.

The best way to learn more about how landlords can protect themselves from financial loss is by getting a quote from one of our agents today!

Renting an Apartment? You Need Renters Insurance

When your home sharing, your property isn’t licensed or regulated like a hotel or bed and breakfast. Hosting could potentially put you at risk if someone renting your home damages or even vandalizes it. As a host you’re responsible for paying for repairs, including any made to common areas – like those in a condo building. And if a guest is injured while at your home, you could be responsible for their medical expenses.

Home Sharing Sample Coverage

If you’re renting an apartment, it’s important to have renters’ insurance. It will protect the items in your apartment if they’re damaged or stolen in several ways: a fire, flood, or theft. You can also get coverage for liability claims against your personal property (e.g., someone slips on your hardwood floor and injures themselves), additional living expenses if the place is uninhabitable due to damage from a covered incident (like above), landlord coverage if they are responsible for damages and loss of use which pays out monthly rent while the property is being repaired or rebuilt.

In addition to these protections, renters’ insurance offers peace of mind knowing that if something unfortunate were to happen unexpectedly—such as a water leak from an upstairs neighbor—your belongings won’t be damaged by another person’s negligence!

In conclusion, it’s simple to protect your valuables with renters’ insurance. You can complete a quote in just minutes, and we offer flexible coverage options, in short you only pay for what you need. Spend less time worrying about renter’s insurance and more time deciding which city is best for you next!

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Finance

Is insurance necessary for a small business?


Introduction

Small business owners and start-ups often think insurance is too expensive or not necessary. That’s a big mistake, according to seasoned experts in the field of risk management. Sometimes, you need insurance just in case something goes wrong later. Other times, there’s a possibility that your landlord or vendors will require it before they sign on with you. And sometimes it can even help you avoid problems by giving you a chance to think through the details of your operations in advance. “If insurance wasn’t important, why would large companies spend millions of dollars each year to provide employee benefits?” says Eric Meermann, director of wealth management at Palisades Hudson Financial Group. “Now multiply that by 10 for every time a small business owner has made payments on an insurance policy—for auto coverage, workers’ compensation, and liability—and then never needed anything.” Here are some reasons why you should get insurance:

Small business owners often think insurance is too expensive or not necessary.

There are several types of insurance that small business owners can purchase. Insurance is a necessary part of running a business. Some small businesses have been able to get away with not purchasing any type of insurance because they have been lucky enough to not have any accidents or emergencies during their time as a business owner. However, the best way to protect yourself from unforeseen expenses is by having some type of coverage plan in place; especially if you own a small company and do not have the funds available if something happens unexpectedly. The most common types include general liability, property damage/personal injury protection (PDPIP), medical payments (Med Pay), equipment breakdown/business interruption coverage along with others depending on what risks your business faces every day!

Here are some reasons why you should get insurance.

The answer is yes, small businesses should get insurance. Here are some reasons why:

  • Insurance protects your business and your employees in case of an accident or legal problem. You may be fined or held liable for damages caused by an employee who was driving a company car without a license, for example, so it’s safer to be covered by insurance schemes such as Employer’s Liability cover or Third-Party Property Damage cover.
  • Insurance can help you avoid losing money on lawsuits and fines. Yet another reason why small businesses need to be insured is that it helps them keep their money safe from any legal problems that might arise due to negligence on their part (or someone else’s). For instance, if one of your clients sues you after suffering injuries while visiting one of your stores because they tripped on something that wasn’t there before then – and they win the case – then it costs them nothing because all expenses will be covered by whichever insurance policy covers those lawsuits.

If your small business gets sued, you’ll be glad you have coverage should you need to hire a lawyer and go through the legal process. If an employee is injured on the job or if someone sues your company for violating their rights as an employee, you can’t afford to get hit with exorbitant court costs or payouts. Insurance policies are a wise investment for small businesses in many cases.

You can handle unexpected situations by transferring the risk to an insurance company. If you have an insurance policy, you can transfer the risk to them. You don’t have to worry about paying for the damage that your business has caused. Insurance companies have resources and experts on hand who will help you deal with unexpected situations and get your company back on track. We also have experience dealing with unexpected situations, so we know what needs to be done and how long it will take.

Your landlord or vendors may require it before they sign on with youYour landlord or vendors may require it before they sign on with you. If you’re a vendor, then it’s also likely that your customer will request proof of insurance before doing business with you.

Your employees will be more likely to choose to work at a company where they know they’ll have medical support should they get injured. You’ll be able to give your employees a sense of security and stability. They will know that, if they get injured, they can count on you not to leave them hanging in their time of need. This can help you attract and keep quality workers, which translates into productivity and profitability for your business.

Getting an insurance policy will help you think in detail about your operations, including who’d be responsible if something goes wrong. There are many risks involved in any business, including:

  • the risk of theft or damage to your property
  • the risk of injury or death on the job
  • the risk that you might accidentally harm a customer or employee

Getting an insurance policy will help you think in detail about your operations, including who’d be responsible if something goes wrong. It can also help ensure that you’re prepared for those worst-case scenarios—and that means fewer surprises down the line.

Conclusion

Insurance is a great way to prepare for the unexpected and protect yourself financially against any number of possible disasters. It can also help you think through the various risks associated with running a business, which may allow you to take steps to avoid those risks in the first place. There’s no one-size-fits-all approach to insurance, so be sure not to get a policy that doesn’t meet your needs. Finally, remember that it doesn’t need to break the bank—you may just want some coverage for your home office or basic medical care for employees in case of an emergency. Whatever your needs are, Global Guard Insurance has plans that work perfectly well without breaking your budget!

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Finance

Make wiser insurance investments

There are a variety of insurance options available let’s narrow down the selections to find ones that will best meet your needs can be accomplished by taking some time to identify which risks are best shared with an insurer. Once you have identified these risks, obtaining a professional assessment of them can help you better understand which policies to acquire.

Be better informed

You need to become a more informed consumer to make smarter financial choices. While it’s always important to take the advice of experts and trusted advisors, you’re ultimately the one in charge of your financial future. By learning more about the products and services you use, you can get a free insurance quote they’ll send you an email with your insurance rate within minutes. you’ll be able to ask better questions and get better answers, allowing you to make smart moves that benefit both your short-term and long-term goals.

Read all the fine print.

Once you’ve taken a careful look at your policy, focus on the clauses and read them carefully. If you are unclear about something, ask your insurance agent to clarify it for you. You should also engage the services of an experienced accountant to ensure that you can save money on taxes by adjusting your investments. It is also important to make sure that the things you think are covered are indeed covered. For example, if one of your possessions is stolen while in transit, some policies won’t cover it since their coverage only applies when the insured items are within premises owned by the insured person.

Understand how insurance works.

This is a standard policy type, and it’s easy to get started. While most people find insurance confusing, this one is simple. Just answer these questions:

  • What are my needs?
  • What’s my budget?
  • Do I need protection for my assets?
  • Is there coverage for injury or illness or damage to property?
  • Am I covered if something happens during the term of this policy?
  • Who or what is most important to you and yours?

Now that you understand what you need, read through the fine print to make sure you aren’t missing any exclusions.

Consider your needs.

There are a variety of insurance options available on the market like small business insurance, auto insurance, motor insurance, and many more. Narrowing down the selections to find ones that will best meet your needs can be accomplished by taking some time to identify which risks are best shared with an insurer. Once you have identified these risks, obtaining a professional assessment of them can help you better understand which policies to acquire the best insurance you need.

Take control of your financial future

If you’re like most people, you’re probably not used to having control over your finances. It’s something that just happens, and it’s usually not great. But when you take control of your money situation (as opposed to letting your money situation control you), you get to dictate how things play out in your life.

We are happy to share our experience with you and do all we can to help you find the cheapest insurance you need at the price you can afford. You can request a quote by calling us at (800) 750-9115and one of our agents will speak with you.

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Finance

New trends in the insurance world after COVID-19

 

COVID-19 has been a real game-changer for the insurance world. Now that the virus is under control, it’s time to look at the trends in the industry and see what’s next. Insurance companies have been on the lookout for new ways to help you find coverage, and they’ve come up with some interesting new features. Here are a few of them:

Online Insurance Options

Insurance quotes online: You can get instant insurance quotes online, so you don’t have to call or visit an agent’s office anymore! Just enter your information into their website and they’ll send you an email with your insurance rate within minutes. You can get a free insurance quotes: Some companies offer free insurance quotes on their websites, so if you’re looking for affordable coverage for your vehicle insurance, home insurance or mobile home insurance you’re longing for- worry no more this might be right up your alley! Get insurance quotes here at Global Guard for free! They cover insurances for all types!

Transparency for pricing

One promising trend is transparency for pricing. Increased transparency of prices and fees helps consumers get insurance quotes more easily. This means they can compare quotes, allowing them to find the best rates as quickly as possible. The result is a better experience for this new consumer set who are used to getting what they want with just a few clicks. Being able to provide customers with the best insurance quote will be critical in determining the winners and losers in today’s market.

Personalized Services

It is also important to note that insurance companies are offering personalized services. You may have noticed that an insurance company can now offer you a quote within minutes. You will also be able to compare the prices from multiple insurance companies with ease and this helps you find out which one offers the best deal for your needs as well as your budget.

Business insurance types: CoVID-19 has changed business ownership laws in many countries around the world, especially when it comes to liability issues surrounding small business owners who have employees working from home or remotely. Make sure you’re aware of any changes that might affect your business type before signing on a dotted line! Here at Global Guard, we can give you the best business insurance quotes even small business insurance costs can get a great deal.

Insurance companies are adopting new methods to adapt to the new normal

As we live in 2022, insurers will face continuing challenges having insurance will lessen your stress and save you money in the long run.  This is not only for health Insurance even nonliving insurance can help our health and well-being here is an example of Auto Insurance or car insurance, according to the Insurance Information Institute, the property coverage also covers any damage caused to the car; liability coverage covers the legal responsibility of any injuries or physical damage incurred, while medical coverage includes the payment of treating injuries, rehabilitation, and funeral expenses, we offer SR22 insurance so get your car insurance quotes here at Global Guard.

We offer the best service for your needs if you have any additional questions, please call us here at Global Guard we are happy to serve you.

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Finance

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!