Commercial Insurance Your Georgia Business Must Legally Carry

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When you establish a business in Pooler, GA, you need more than just a business license—you must also have insurance. The state of Georgia mandates two specific types of commercial insurance for entities conducting business within its borders and suggests two additional insurance policies. Allow TruePoint Insurance to facilitate your procuring the necessary insurance for your business operations.

Workers Compensation Coverage

As a sole proprietor, you will not require workers’ compensation insurance until you recruit your first employees. It is a state policy for all businesses to have employees to provide workers’ compensation coverage. This particular insurance takes care of medical expenses, rehabilitation, and part of the wages of any employee who suffers injury or contracts a disease during the course of work.

Commercial Auto Coverage

You need to provide commercial insurance for vehicles used for your business. If your vehicle doubles up for business use, you may need both personal coverage and a commercial auto policy to cover your vehicle. Georgia state law prescribes the same minimum levels of liability coverage for both personal and commercial auto insurance.

Recommended Insurance Types

Not deemed compulsory by law yet, the Office of Commissioner of Insurance and Safety Fire (OCISF) recommends that businesses have property insurance and liability coverage. They do not stipulate coverage amounts but define what the insurance should ideally cover. As per OCISF, a company should obtain general property insurance that extends to the business premises and its contents, relevant business equipment, and all other business-owned real or personal property.

National Requirements for Businesses

Under the Affordable Care Act, businesses with a workforce of 50 or more are obligated to provide health insurance to 95% of their full-time workers or equivalent part-time employees. The Internal Revenue Service imposes hefty fines for non-compliance.

Get the Insurance Your Business Needs

Contact TruePoint Insurance today to create a bespoke commercial insurance package that safeguards the financial health of your Pooler, GA business. We are here to help you meet state and federal compliance demands.

Collision insurance on an auto policy

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It is crucial for drivers to understand that mandatory liability insurance policies cover only the costs of damage they inflict on other vehicles and any resulting injuries. To cover their own repair costs following a collision, drivers must ensure their insurance policy includes collision coverage. TruePoint Insurance provides collision policies to local drivers in Pooler, GA. Here’s a brief overview of collision coverage and its significance.

Typical Damage to Vehicles from Car Accidents

Vehicles are prone to specific types of damage post-accident. Elements such as bumpers, tires, windows, and light fixtures often necessitate replacements. Drivers in Pooler, GA, should note that the costs for such repairs can fluctuate, but they are frequently quite steep, particularly if a car suffers significant damage in an accident. Collision policies primarily protect drivers from the abrupt financial burden of damage and essential repairs of this nature.

Collision Policies and Deductibles

Most collision policies require the policyholder to contribute towards their repair costs through a deductible. The insurance company covers the remaining costs once the deductible has been fulfilled. However, this sum differs for each driver in Pooler, GA. Essentially, it represents the figure that each driver has to pay out of pocket. An insurance agent can explain more comprehensively how deductibles function within any policy.

Understanding More About Collision Coverage

Our agents at TruePoint Insurance can help you establish a policy and examine coverage options. Contact us today to further your understanding and start your journey with auto insurance coverage.

Home Insurance Claims: Tips for a Smooth and Successful Process

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Owning a home in the Pooler, GA area can be an excellent idea for many people. If you are going to buy a house here, you also need insurance in the event you are a victim of an accident, fire, or other situation that results in a loss. In these situations, you may need to file a claim. There are various tips to follow that can help you file a claim more efficiently. 

Gather Documentation

When you are going to file a claim, having proper documentation is very important. This can include pictures of the damage, quotes from repair contractors, and any witness statements if necessary. This will give your insurance provider information to review, which can help support your claim and ensure you are reimbursed. The more detail you are able to offer, the more easily it will be to have the claim reviewed. 

Start Claim Early

While you will have some time to submit insurance claims, starting the claims process early is also a good idea. Ideally, if you have a repair need that should be covered by insurance, you should call as soon as possible. The insurance company could get an adjuster sent out quickly for a full review. They can also connect you with preferred vendors that can help to make these repairs. This can also speed up the process of having the claim approved. 

Being able to file an efficient home insurance claim is always advantageous. When you are looking for support getting insurance from a reliable carrier, call our team at TruePoint Insurance. Our professionals with TruePoint Insurance have helped many people in the Pooler, GA area learn more about their insurance needs and select a policy that offers excellent protection from a reputable company. 

How to Protect Your RV Adventures with Comprehensive Insurance in Savannah

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Living in Savannah, GA, and contemplating how to safeguard your beloved RV against unexpected events? Don’t let uncertainties about local RV insurance laws dampen your overland adventures. Let trusted professionals at TruePoint Insurance guide you through protecting your RV.

Comprehensive RV Insurance Tips for Savannah Adventurers

Driving a camper, Class A motorhome, or a pull-behind trailer through the historic cobblestone streets of Savannah presents a unique challenge for both local RVers and out-of-town adventurers. The area’s narrow roads and unexpected weather conditions from the Savannah River and the Atlantic Ocean can make for quite a tumultuous drive. Thankfully, comprehensive RV insurance can provide financial assistance in combating common and uncommon perils. For example, this coverage can help offset the costs of RV accidents, theft, vandalism, or unforeseen damages at your favorite local campground.

Trust TruePoint Insurance for Specialized RV Protection

TruePoint Insurance provides specialized RV insurance policies specifically designed for Savannah locals seeking to protect their prized possessions from unexpected events. Our friendly, knowledgeable, and licensed agents are here to help RV owners navigate the intricacies of selecting the right RV insurance coverage. Some of our insurance policies even include add-ons like emergency roadside assistance, gas delivery, and towing services—crucial for those unexpected moments stuck on the side of I-95.

Contact TruePoint Insurance in Savannah, GA, today to discover how our trusted local insurance agent can protect your interests during local and long-distance RV journeys.

Tips on Buying Motorcycle Insurance For Your Classic Bike

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Investing in a motorcycle can be exciting, and purchasing a vintage model can be even more exhilarating. Classic motorcycles offer unique features and value that modern bikes may not have. As such, it is important to secure the correct amount and type of motorcycle insurance to protect your investment.

At TruePoint Insurance, we offer clients in the Savannah, GA, area access to quality motorcycle insurance to suit their needs.

Choosing the Right Classic Motorcycle Insurance

Several considerations come to the fore when purchasing motorcycle insurance for your vintage bike. First, understand its value comprehensively; older bikes in good condition are often valued higher than others. Note that the bike’s value is based on the appraised amount, not necessarily what you paid for it.

Next, decide if you should opt for replacement or actual value coverage. Replacement value coverage pays for replacing your bike with a similar one, while actual value coverage merely provides the bike’s current worth. Please choose based on your bike’s type and value progression over time.

Also, consider the cost of replacement parts. A motorcycle accident could force you into extensive repairs, and finding classic parts to restore the bike properly can be both challenging and expensive, thereby increasing the cost.

Assistance in Securing Quality Insurance

When investing in motorcycle insurance in Savannah, GA, remember that you can rely on the team at TruePoint Insurance. You can procure the best insurance type that offers comprehensive coverage for your motorcycle, reducing your risks every time you hit the road for your next adventure.

Homeowners insurance and severe weather

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Understanding Homeowners Insurance in Savannah, GA amid Severe Weather Conditions

In the United States, particularly in Savannah, GA, extreme weather conditions often cause a significant surge in homeowners insurance claims. Homeowners devoid of adequate coverage are left vulnerable to skyrocketing repair costs after a storm. Conversely, those homeowners who have invested in insurance have a higher chance of attaining financial support from their insurer. TruePoint Insurance offers suitable coverage to safeguard a homeowner’s most valuable investment.

The Impact of Adverse Weather on Homeowners in Savannah, GA

A wide variety of natural phenomena, including wind, rain, lightning, hail, snowfall, ice storms, and hurricanes, can ravage homes in severe weather conditions. The aftermath of a severe weather event can range from minimal damage to extensive destruction. With the appropriate insurance policy in effect, homeowners can rest assured that they are covered.

Frequency of Extreme Weather Inflictions

While it is challenging to foresee the likelihood of severe weather far into the future, homeowners in coastal locales, such as Savannah, GA, should acknowledge that weather-related damage is a distinct possibility. This scenario is particularly relevant for major weather events like hurricanes that typically wreak the most havoc in cities and towns in proximity to the coastline.

Is Flood Damage Included in Homeowners Insurance?

It is crucial to remember that standard homeowners insurance policies do not account for flood damage. Homeowners residing in flood-prone areas should investigate whether they require additional flood coverage.

Contact TruePoint Insurance for More Information

We encourage you to contact our agents at TruePoint Insurance for further information or queries on the topics discussed. We are eager to assist you in establishing a homeowners insurance policy and managing other related insurance matters.

Find Out If Flood Insurance Coverage Is Right For You

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If you live in a low-lying area where flooding is likely to occur, you will benefit from learning about flood insurance coverage. Review the coverage guidelines that follow. Then, contact a TruePoint Insurance agent who serves Savannah, GA, for more information about flood insurance.

Water Damage Costs

Consider the cost of repairing and replacing items that are water-damaged. Structural materials, furnishings, and household goods could be affected by a flood. Water damage restoration costs could be high, especially if you live in a large home or own many items.

Value Considerations

Assess the value of the contents of your home. Purchasing a flood insurance policy could be a smart move if you own artwork, jewelry, or other items of value. The policy would cover the cost of repairing or replacing any items damaged by water.

Risk Factors

Consider the location of your home. If heavy rain and poor drainage are concerns, having insurance coverage may be in your best interest. If you have ever endured flooding, consider the likelihood of this occurring again.

If you previously dealt with a lot of water damage, plus were responsible for paying for the cost of repairing or replacing items in your home, having access to a flood insurance policy will prevent any issues in the future. Your policy will protect your land and your home from flooding waters.

Contact TruePoint Insurance

Now that you have reviewed some reasons to obtain flood insurance, contact a TruePoint Insurance agent. An agent who serves Savannah, GA, will assess your residential land and home. They will recommend coverage that will protect your assets from water damage.

Four misconceptions about life insurance

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Life insurance is an essential financial product if you want to protect your family in Savannah, GA against future uncertainties. TruePoint Insurance offers life insurance solutions that can give you peace of mind.

Unfortunately, there are a lot of misconceptions out there about life insurance. The following are four misconceptions about life insurance to be aware of. 

It will be easy to buy life insurance later.

Consumers could face problems if they procrastinate about buying life insurance. If you wait to buy life insurance, you could experience a serious chronic health condition in the future that may compromise your chances of getting affordable coverage.

It’s generally more difficult for older consumers to get the best life insurance deals than for younger consumers. That’s why it’s best not to put off buying life insurance. 

There is not a lot of difference between life insurance policies.

When you buy life insurance, you need to understand all the different types of coverage, like term, whole, and universal life insurance. This way, you can be sure that your policy is customized to your situation. 

Most people don’t need life insurance.

There is a common misunderstanding out there that only very wealthy people need life insurance. However, the truth is that any consumer with dependents should have life insurance to protect their dependents’ financial future. 

You only get life insurance for the death benefit.

Some life insurance policies, like whole life insurance, have a savings component and a death benefit component. You can opt for this type of policy if you want a permanent life insurance policy that will help you to accumulate savings over time. 

Learn more about life insurance options in Savannah, GA, by giving us a call at TruePoint Insurance. We’re here to assist you if you need to get a quote on a life insurance policy. 

Fortifying Savannah Businesses: A Commercial Insurance Primer

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When businesses in the Savannah, GA region look to take all of the necessary steps for the future, TruePoint Insurance is there to help. Commercial insurance is pivotal for any business’s current and future success. Thanks to this primer, you will be able to learn more about the importance of these policies before selecting the one that best fits your needs.

Financial Protection

The peace of mind that comes with knowing that the business will remain protected from any potential financial crisis is priceless. A wide range of risks are associated with any new business venture, and without the proper policy in place, they will only be exacerbated. No one is clairvoyant, and it is hard to anticipate every possible financial issue that could arise. With a commercial insurance policy, this is no longer a concern.

Litigation Protection

Litigation is another thorny, complex issue that has a way of arising at the least opportune moments. With commercial insurance protection, this is no longer something that will cause stress and anxiety for a new business owner. However, for a business to maximize its capital on hand, it cannot risk being tied up in all sorts of draining litigation procedures.

Greater Level of Client Trust

Prospective clients are more likely to trust a business that has taken all the necessary precautions before hanging its shingles. Lenders and investors will also have a higher level of trust in a company that has taken the time and effort to secure its assets.

If you live in the Savannah, GA region and would like to learn more about the available commercial insurance policies, feel free to call or stop by as soon as possible. At TruePoint Insurance, we pride ourselves on providing our clients with the information they need most.

What Does Auto Insurance Cover?

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Are you wondering what auto insurance covers? If so, our agents at TruePoint Insurance, serving the Savannah, GA area, can help you.

Auto Insurance Coverage Options

There are many different auto insurance coverage options, but only one is required by Georgia. That is auto liability insurance. This type of coverage will help pay for the medical bills and any property damage you may cause in an accident. It is illegal to drive in Georgia without auto liability insurance, and you can even lose your license or be jailed if you are caught driving without it.

Comprehensive Insurance Coverage

Comprehensive insurance is imperative to have, especially if you still owe money on your vehicle. This is because your vehicle can become damaged or destroyed at any time by some natural disaster or a fire. It can even be vandalized or stolen, and you will need help to recover from that financially. This type of policy will repair or replace your vehicle if any of these scenarios happen to you.

Collision Insurance Coverage

Collision insurance is just as important as comprehensive since it will help you out if you collide with another vehicle or some stationary object. This type of policy will help you get your car fixed quickly and back on the road.

Underinsured/Uninsured Motorist Coverage

Underinsured/uninsured motorist coverage will come in handy if a driver causes an accident and damages your vehicle or causes injuries to you or your passengers but does not have the proper amount of insurance to cover all the bills.

Contact TruePoint Insurance

Contact our agents at TruePoint Insurance, serving the Savannah, GA area, today to create a reliable auto insurance policy for you and your beloved vehicle.