All businesses are at risk. The failure rate for businesses is astronomical. Small businesses are even more vulnerable. One in five new companies will fail within two years, and only 25% will make it to 15 years. Many of the things that cause businesses to fail can be mitigated with commercial insurance. At The Insurance Mart in Blue Ridge, GA, we provide our customers with the benefit of our commercial insurance experience when creating the perfect policy for their business. 

A covered hazard hits your business.

It could be a fire or a theft, but suddenly you don’t have what you need to operate your business. If you don’t have commercial property insurance, you might have to close your door immediately. Commercial property insurance will cover the loss of your business equipment, tools, electronics, raw materials, and inventory. You should be able to be back up and running in less time than you probably expect. 

Someone is injured at your business or by your product

About one in three businesses will be sued every year. What happens if this is your year? How would you pay for injuries and maybe a judgment against you? Does your business have the cash that it could take? Many don’t. If you can’t pay the judgment you might have to close your doors. This can be avoided with commercial liability insurance. 

Your business is closed temporarily, but you can’t pay your bills

When you have to temporarily close your doors while you recover from a covered hazard, you won’t have income, which can make it challenging to meet your normal expenses. This won’t be a problem if you have business interruption insurance. 

Contact The Insurance Mart in Blue Ridge, GA to help to protect your small business with commercial insurance. 

What’s one thing that matters most in your life? If you think about it, it should be your health. Without proper health, you can’t take care of your family, business, and other interests. Given that health is critical, investing in health insurance from The Insurance Mart of Blue Ridge, GA makes sense. But because health insurance is one of the widely misunderstood insurance coverages, we have prepared a FAQs section to shed more light on this coverage.

Why do I need health insurance?

There are several reasons you must invest in a sound health insurance policy. First, with the rising healthcare costs, it would be catastrophic to live without health insurance. Health insurance takes care of expensive medical bills as you focus on recovery. Since health insurance shoulders the medical bills, you can afford quality health care that you wouldn’t access if you didn’t have the funds.

Secondly, health insurance covers preventive healthcare routines such as annual screenings, vaccinations, etc. So, health insurance doesn’t always wait for diseases to strike — it helps prevent diseases from happening in the first place.

Thirdly, you need health insurance for your peace of mind. Given the emergence of new diseases and the increased risk of accidents, you never know when disaster will strike. However, you can maintain your cool by investing in a health insurance policy.

What are the different health insurance plans?

Like most insurance policies, health insurance comes with different insurance options. Here are some options to consider:

• Medicare
• Medicaid
• Individual
• Family
• Corporate
• Dental
• Eyecare

Since understanding health insurance can be challenging, you need a trusted insurance agent to help you navigate. Fortunately for Blue Ridge, GA residents, you can always partner with The Insurance Mart for your health insurance needs.

Most people think that life insurance is only for those who are elderly. But the truth is, everyone should have life insurance. Here are four reasons why.

1. You Have Loved Ones That Depend on You

If you have people in your life who are counting on you, then they would be devastated if something were to happen. That means that you need to ensure that they don’t suffer financially. If you have a spouse, children, parents, or siblings who are relying on your income each month, buy life insurance to replace that income when you’re gone. The amount of coverage needed is different for everyone, so speak with an agent about what would be best in your case.

2. You Have Debt That You Need to Take Care of

Do you have a mortgage or car loan? Or is there medical debt in your past? These become difficult and even impossible to pay off when you die. Life insurance can help pay off any remaining debts after your death, so your loved ones don’t need to worry about them or continue making payments.

3. It Can Help Cover Your Children’s College Tuition

Even though your children are young, their education is extremely important. If you want to help pay for your children’s college tuition after you’re gone, then life insurance can help with that too.

4. Peace of Mind

While it may sound like life insurance is all about money, it’s not just that. It’s also about the peace of mind that comes along with knowing that your loved ones will be taken care of when you’re gone.

Life insurance is something that everyone should have, no matter their age or financial situation. The four reasons outlined here are just a few of many. Call The Insurance Mart today if you’re interested in learning more about life insurance in Blue Ridge, GA. We are here to help you get the coverage that you need.

As a car owner in Blue Ridge, GA, it is imperative to invest in auto insurance to protect yourself and your vehicle. If you have an ATV, UTV, or other recreational vehicles, you may not realize how important an insurance policy can be for this equipment. Before you head out on the trail, you should familiarize yourself with a few of the many ways a recreational insurance policy from The Insurance Mart can help you.

Liability Coverage Protection

Regardless of whether you are heading out on your own or having fun with some friends, liability insurance is designed to protect you from both financial and legal hardship. This part of your recreational insurance kicks in should you injure someone else or damage someone else’s property while out riding. 

In the event that the affected individual requires medical attention or professional repair, your liability coverage will take effect. This ensures you don’t have to pay out of your pocket for these costs.

Collision Coverage Protection

ATVs and other recreational vehicles are made for people to explore, go off-roading, and simply be adventurous when the situation allows. Unfortunately, this increases the potential for collisions and other accidents. In the event that you collide with another rider or a tree, this part of your recreational vehicle insurance will take effect. This keeps you from needing to pay the full amount to repair or replace your ride. 

Natural Disaster Comprehensive Coverage Protection

In the event of a tornado, wildfire, or other significant act of nature strikes and causes damage to your ATV or other recreational vehicles, the comprehensive portion of your recreational vehicle insurance policy will kick in. This coverage offers protection against damage from fallen limbs, floods, hail dents, and more. 

If you own an ATV, UTV, or any other kind of recreational vehicle, you should purchase recreational vehicle insurance. The Insurance Mart can help Blue Ridge, GA residents obtain the necessary coverage based on their situation.

At the Insurance Mart, we know that Blue Ridge, GA folks are creative and capable. Many of you have put your skills to work making money from home, and it might be expanding into a full-fledged business. Having the proper insurance coverage for your business can help your new endeavor thrive.

The Basics of Commercial Insurance

Every business has different needs, so commercial insurance is built to be adaptable. Like personal insurance, the commercial version has you commit to a policy that covers specified perils minus your deductible, in exchange for a recurring premium charge. Most providers have packages with a range of coverage that the typical business needs, but they may or may not have packages made with home businesses in mind.

Required Coverages

If your business employs three or more people, then you are required by state law to carry worker’s compensation coverage. Any vehicle that you operate in the course of business will need commercial auto insurance. There are no legal obligations beyond those, but other businesses may require them. Typically, this applies to brick-and-mortar businesses that rent a space.

What Risks Does a Home Business Face?

The primary difference between a home business and any other business is where they operate. Since you’re using your home, your business has no real estate that it needs to protect. You still face that risk, but it’s going to be covered by your homeowners’ or renters’ insurance.

Otherwise, home businesses may be financially liable if they make an error that causes damage or a data breach exposes sensitive files. The Insurance Mart in Blue Ridge, GA can help you identify where your business might encounter risk and shop for a policy that covers those risks.

Health insurance is important in case the worst happens as medical bills can be high if you do not have the right coverage. So, what kind of health insurance should you have, and what is a must to add to your insurance?

The Insurance Mart in Blue Ridge, GA is proud to offer health insurance to residents in the following states:

• Georgia
• Tennessee
• North Carolina
• Florida
• South Carolina

The Insurance Mart works with several providers so that we can ensure that the insurance you end up choosing suits you and your needs. 

Health Insurance Must-Haves

Health insurance is not easy to navigate, but we recommend that you consider the following health insurance items: 

• Dental health, as even when looking after your teeth well, sometimes you can’t avoid the need for dental treatment
• Life insurance, especially if you have children or debt, so you do not leave debt behind for your family to deal with

What Impacts Your Health Insurance

Health insurance can be different for everyone, and you and our advisors will look at the following to determine what additional coverage you should add:

• Your age, as unfortunately, certain ages come with certain health risks
• Your lifestyles, such as your diet, exercise routine, and smoking habits that could affect your health
• Current and past medical conditions
• Where you live, some areas might provide more risks to your health than others

If you want to receive a quote for health insurance, contact Julie at The Insurance Mart in Blue Ridge, GA GA today We will determine what type of coverage is most relevant to you and your situation and provide you with different quote options from our wide range of providers. 

Life insurance is an investment and, like with any investment, you need to know your options. Here at The Insurance Mart serving the area of Blue Ridge, GA, we would like to talk about the two main types of life insurance available to you so that you can make an informed choice when it comes to making sure your family is taken care of after your death.

Term Life Insurance

Term life insurance is just that, life insurance for a specified term or timeframe in your life. If you die within that term, the death benefit is paid out to the beneficiaries that you have listed in your policy. If you don’t die, then you have to renew your policy or let it lapse. The benefit of this type of policy is that the premium is (usually) lower in the beginning. As you age, it often gets harder to renew, more expensive to have, or both.

Cash Value Life Insurance

This type of life insurance has several different names but the most common alternative is whole life insurance. This type of insurance is for the entire length of your life. It is paid to your beneficiaries upon your death. This type of insurance may also have a cash value attached to it in addition to the death benefit. There are several benefits to this type of policy, the only real downside being that the premiums are expensive in the beginning. However, in the long run, the insurance premium evens out.

Act Today

To get your head around the type of life insurance that will best suit you and your pocket, speak to the people at The Insurance Mart serving Blue Ridge, GA today and rest easy knowing that your family is in good hands.