Do Sub-Contractors Need Commercial Insurance?

Sub-contractors help major contractors by providing specialized services that make their main job easier. At Client First Insurance Solutions, we can provide Americus, GA residents with the help that they need. But do you truly need insurance? Here’s what you need to know. 

The Law Usually Doesn’t Require Sub-Contractor Insurance 

Most states don’t necessarily demand that sub-contractors get insurance for their job. That does depend on your specific career path, though. For example, more dangerous or delicate work, such as electrical, gas, or other delicate fixes, may require insurance in some states. 

However, you may find that contractors don’t want to work with you because you don’t have insurance. That’s understandable because it puts them in a tough situation and makes them potentially have to pick up the slack for their mistakes. That’s why it’s usually good to consider some policy coverage. 

Sub-Contractor Insurance Options 

When choosing sub-contractor insurance policy options, it is important to take the time to understand the different varying options available for your needs. These include things like:

  • Liability – This choice is good if you want to avoid lawsuits due to injuries caused by your work. 
  • Errors and Omissions – If you made a mistake on a gig or omitted something, this policy protects you. 
  • Vehicle Insurance – Are you using your personal vehicles to work? Get a commercial policy for help
  • Compensation Insurance – Do you have multiple people who work with you? Get compensation for your workers. 

Help Is Available for You

If you want sub-contractor insurance for your business, make sure that you reach out to us at Client First Insurance Solutions to get help. We serve the Americus, GA area and will provide the high-quality policy that you need to avoid long-term complications with your business.

Can You Choose the Value of Your Home Insurance?

Home insurance can be a confusing matter. Many people do not know how much home insurance they need, nor do they realize that they can choose the value of their coverage.

Client First Insurance Solutions provides home insurance to the people of Americus, GA. When you are not sure how much home insurance you need, a professional can help. In the meantime, here’s what you need to know.

Consider the Value of Your Home’s Structure

When you choose the value of your insurance, you can consider the structure of your home. You need to consider the age of your home and the care it has received over the years. You also need to think about your home’s repairs and whether the home is up to code. Your insurance agent will help you consider what kind of insurance you need.

Consider the Value of Your Belongings

Then, you will think about the items you own. Your home insurance covers the belongings inside the structure as well, which means that you need to know how much money you might expect to spend to replace all your items.

Consider the Likelihood of a Major Event

Finally, you can choose the value of your insurance policy based on the likelihood that your home might be damaged by a major event. This means you might need to consider potential weather disasters, for example.

Get Home Insurance That Works

Are you looking for home insurance solutions that meet your needs? Client First Insurance Solutions serving Americus, GA can help. Get in touch with our office today to speak with an insurance agent about your options.

The Benefits of Umbrella Insurance

Have you ever heard of umbrella insurance? It is a valuable type of extra liability insurance that offers additional financial protection when your standard insurance policies are exhausted. Client First Insurance Solutions serving the city of Americus, GA would like you to know about some of the benefits that umbrella, also known as excess liability insurance, offers.

Extra Protection for Catastrophic Events

Standard insurance policies are suitable for everyday incidents, but sometimes we experience catastrophic events that we can’t prepare for in our lives. These events are when umbrella insurance, which acts as a secondary policy, is invaluable. It provides additional financial protection when your primary policies are exhausted if you are liable for an incident that will require a financial outlay that will likely bankrupt you.

Suitable for Home, Auto, and Commercial Use

You can purchase umbrella insurance as an add-on for your home, auto, and commercial insurance policies. Depending on the wording, umbrella insurance may cover any gaps that your general liability insurance doesn’t cover in your business. You cannot usually purchase umbrella insurance on its own because it is a secondary policy that acts as an umbrella to provide an extra layer of protection and sits above your other insurance policies.

Peace of Mind

One of the most significant benefits of purchasing an additional umbrella or excess liability insurance is peace of mind. A legal liability lawsuit can take a long time to settle, it is an expense for the legally liable party, and it is not unheard of for settlements to pay out millions of dollars.

Speak to Client First Insurance Solutions, serving the city of Americus, GA, about assessing your liability risks today!

Why should you get flood insurance even if you live in a low risk flood area?

Mother nature has not been kind in 2021 with flooding cases going up every day. Home insurance doesn’t cover floods. You need to seek a separate flood insurance policy to protect your home and personal belongings from damage. At Client First Insurance Solutions, we recommend learning everything about flood insurance to ensure that you buy enough based on the value of your home and personal belongings. You should definitely get flood insurance, and here are the top 3 reasons. 

Sometimes, flood insurance is required by your lender

If you intend to buy a home that is located in a high-risk flood area, your lender may require you to buy flood insurance. The policy covers the dwelling as well as personal belongings. Some mortgage companies in Americus, GA may allow you to go without flood insurance depending on the type of loan. Federally regulated mortgages will require flood insurance, which must be paid for until the mortgage is paid off.

No one is really safe from floods

Living in a low or moderate-risk flood area doesn’t mean your property is safe. Floods can be estimated, but models can quickly get outdated and may not reflect the severity of a flooding event. Remember, an inch of floodwater is enough to cause loss of property worth millions. A recent disaster risk analysis by FEMA  confirmed that there is a high frequency of flooding events in areas often associated with disasters. 

Flood insurance has a waiting period

Flood insurance comes with a 30 day waiting period, which means you cannot buy the policy when it’s convenient for you. If flooding occurs during the waiting period, you will not be eligible for compensation. It’s more prudent to buy flood insurance as early as possible, especially with the fact that floods cannot always be accurately predicted.

Buying food insurance in Americus, GA soon? Let Client First Insurance Solutions help you find a policy that matches your needs. Call us today!

Client First Insurance Solutions Establishes CDL Scholarships At South Georgia Technical College

Client First Insurance Solutions invested in Americus recently when it presented the South Georgia Technical College Foundation with a $2500 check to establish five Commercial Truck Driving scholarships for the 2021 – 2022 academic year. The scholarships will be awarded to South Georgia Technical College Commercial Truck Driving students who aspire to become owner/operators.

Commercial truck drivers are in great demand and this demand is expected to increase over the next few years. Client First insures many commercial truck drivers and is proud to fund this scholarship to encourage more students to take advantage of this growth industry.  

“We are very pleased to partner with South Georgia Technical College for these CDL scholarships,” said Kirk Lyman-Barner, CEO of Client First Insurance.  “Truck drivers are essential workers and they are delivering goods for our communities.  We would like to show our appreciation to those individuals who are choosing to enter this career field.”

Finding the best commercial truck policy – most coverage, lowest premium – can be a challenge, but Client First Insurance has been doing it for years and is the go-to agency for commercial drivers. Our currently insured drivers continue to refer other drivers to us because we are trustworthy, honest, and really do put our clients first. 

For a quote or more information, give us a call. We know the territory, our drivers know and trust us, and we’ll do our best for you, guaranteed.

Read the Press Release from South Georgia Technical College here.

How Whole Life Insurance Works

Most people need to have life insurance in place to protect their families from financial hardship. Most life insurance policies are either term or whole life policies. Whole life policies are popular because of the way they work and how they can benefit both the policyholder and the beneficiaries. If you want a whole life policy, give us a call at Client First Insurance Solutions in Americus, GA.

Paying Your Premiums

When you get a whole life policy, there will be a monthly premium to pay to keep the policy in place. This monthly payment is generally more than it would be with term life premiums, but these premiums keep the policy in place for as long as you want. Your premiums begin to build cash value after you have had the insurance for a few years. Paying your premiums also keeps the policy in place even as you get older. The company cannot cancel one of these policies as long as you continue to pay the premiums. 

Building Cash Value

The cash value that is built up over years of paying your premiums can be borrowed against. This is a cash value that you own and can borrow when you need to. The cash value will be less than the death benefit that is paid out upon death. Once you borrow against it, it works like a loan that you can make payments toward. If you don’t pay it all off before death, that amount will be deducted from your death benefit, and your beneficiaries will receive that new amount. 

Get Your Whole Life Policy

If you like the idea of having a pool of cash that you can access if you need to, you may want to choose a whole life insurance policy. Call us at Client First Insurance Solutions in Americus, GA.

Do You Have Enough Auto Insurance?

While you have faithfully been renewing your auto insurance coverage, it’s time to look back to see whether you are carrying adequate coverage to protect you when accidents happen. Being underinsured can cost you financially when the unthinkable occurs. And it’s not a good experience when you have been paying premiums, only to incur out-of-pocket expenses when perils strike. 

While we all make errors, the mother of all mistakes is failing to correct blunders while we still have time. For this reason, Client First Insurance Solutions of Americus, GA has taken time to guide you on how much auto insurance you should carry before it’s too late. 

Satisfy the state-required minimums

The first step in determining the amount of auto insurance you need is to ensure you cover the minimum requirements by your state. This compliance ensures you don’t incur unnecessary fines and penalties for non-compliance. 

How much liability insurance do you need? 

Georgia requires all drivers to buy at least $25,000 bodily injury coverage for one accident. But is this amount enough? A severe accident costs about $50,000 in medical expenses. Add property damages and lawsuits, and the expenses can be extremely prohibitive. 

For this reason, increase your liability coverage if you drive frequently or live in an accident-prone area. Better yet, you can invest in umbrella insurance to protect yourself when faced with significant liability claims.

Comprehensive and collision coverages

These coverages protect your car from physical damages or losses from numerous perils. But how much coverage should you buy? At the minimum, you need enough coverage to replace your vehicle if a total loss were to occur. 

The bottom line

When you carry the right amount of car insurance, you don’t have to worry about repairs, legal suits, and replacement costs when accidents happen. However, determining the right amount of auto coverage isn’t cut and dry. As such, you need a knowledgeable insurance agent to bail you out.

Fortunately, if you are in Americus, GA and its environs, you can partner with Client First Insurance Solutions for all your auto insurance needs. 

Does a business in Georgia need commercial insurance?

When looking to build and establish a new business, choosing the right location is very important. One location that offers a lot of opportunities for new business owners is the Americus, GA area. Those that want to go into business in this area should spend time ensuring they have the right insurance protection. Georgia businesses will need insurance for several reasons. 

Insurance is often a Third Party Requirement.

A key reason people here should get insurance for their business is that it is often a third-party requirement. Those who are going to start a company may enter into various agreements with other entities that could require you to get coverage. These agreements can include commercial leases, commercial loan agreements, and various investor partnership agreements. It is important to understand your insurance requirements and abide by those agreements. 

Insurance Protects Company

Even if you are not obligated to carry any insurance, it would still be wise to do so. A commercial insurance plan provides extremely beneficial coverage that can help to protect your business assets and ensure your liability risk is mitigated. During some otherwise challenging times, this can give your business some stability and protect your overall solvency.

A business that is in the Americus, GA area should always consider getting a commercial insurance plan. As you are looking for a new insurance plan in this area, speaking with the team at Client First Insurance Solutions is a good option. There are a lot of choices that need to be made when you are looking for commercial coverage. The team with Client First Insurance Solutions will help you properly evaluate your needs and options to ensure you pick the right plan for your situation. 

Kinds of Damage Home Insurance Won’t Cover

Before you buy your home insurance in Americus, GA, it is always important to consider what will be covered and what will not be covered. Many homeowners are surprised when filing a claim after realizing certain damage is not covered by the policy. Client First Insurance Solutions has analyzed all the damages that are not covered for a comprehensive understanding.

Sewer Backup Damages

A simple home insurance policy will not cover all the damages that are caused by sewer backups. Most insurance organizations believe that most of the sewer backup damages are caused by outdated sewer systems, excess floodwater, and overgrown roots from the trees. In such cases, it is not the insurance company that is supposed to cater for such expenses. Homeowners are advised to look for comprehensive home insurance policies that may cover the issues listed above.

Earth Movement Damages

Home insurance policies will not cover sinkholes, earthquakes, and earth movement damages. It is always necessary to analyze the geographical region where the home is located to buy an additional home insurance policy that is specifically designed to cover such natural problems. Some insurance companies might agree to cover such perils if the amount paid for the premium is increased.

Damages from Lack of Maintenance

If your home is damaged by pests, rodents, and mold, the home insurance policy will not help because insurance agents will interpret this as negligence. Therefore, you need always to ensure that you are maintaining your home regularly to address all issues that can affect your home. Working with a professional home maintenance expert can increase the chances of a successful home insurance claim.

Client First Insurance Solutions is one of the leading home insurance companies in Americus, GA, and has multiple home insurance policies. You can contact us today for professional home coverage.

What Georgia residents Need to know about Umbrella insurance

Residents of Georgia possess unique insurance policy needs. You may be deemed responsible for inflicting injuries or property damage to third parties. The ultimate truth is the chances are that you already possess some form of liability insurance, whether through your home or auto policy, but sometimes that protection is not sufficient to cushion financially. This potential shortfall in coverage can get arrested by procuring a salient umbrella policy at an affordable rate. Connect with us today at Client First Insurance Solutions offices, and our agents will help you land proper coverage that instills peace of mind.

In a nutshell, an umbrella insurance policy cushions you from liability claims that supersede the typical insurance limits. If you are held responsible for injuries or property damage, the costs can have disastrous financial ruins. If you have marshaled considerable assets, you may lose them, and if you do not have, you may find yourself forced to file for bankruptcy. If something massive strikes during your usual operations, having additional insurance like an umbrella insurance policy may be pivotal to keep you afloat.

Umbrella insurance policy summates to the liability coverage you have on your home, auto, or any other form of protection you possess that accords your liability coverage. Suppose you cause an automobile accident, and the expenses exceed the liability coverage included in your auto or home insurance policies. In that case, your umbrella insurance comes into play to settle the outstanding balances. Umbrella policy rates depend on the type of policy and coverage limits. Visit us today at Client First Insurance Solutions offices in Americus, GA, and our trusted agents will provide you with a competitive insurance plan and rates of umbrella insurance.

What does umbrella insurance cover in Georgia?

  • Bodily injury.
  • Landlord liability.
  • Property damage liability.
  • Defamation, libel, or slander.
  • Legal representation fees and damages.
  • False imprisonment and arrests.

What events are excluded from umbrella insurance coverage?

  • Personal injuries.
  • Intentional or criminal acts.
  • Damages to your possession.
  • Other injuries that are emanating from your business operations.

Contact us or visit our Client First Insurance Solutions offices situated in Americus, GA. Our professional team will help you get outstanding umbrella insurance that will continuously meet your needs and budgetary allocations.