Angelyn Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA and licensed Trusted Choice Insurance Agent. Reach her at www.southgroupgulfcoast.com, (228) 385-1177 or azeringue@southgroup.net.
The risks you face as a business owner are vast, from liability concerns and workers’ compensation issues to the possibility that one of your workers could be responsible for an auto accident. If you have staff members who get behind the wheel to conduct company business, you need commercial vehicle insurance to protect your business […]
As if flood insurance weren’t complicated enough, the whole rating process is changing again as of October. Elevation certificates won’t be required any longer, but knowing the elevation of your first floor will become very important. Replacement cost and construction type (frame or brick) will be used as part of the calculation, as well as […]
Homeowners or renters insurance can protect you from devastating financial loss should some catastrophe occur. Within your home or apartment, however, your personal property is likely what you cherish most. Protecting your possessions from loss is financially and emotionally important. You must make sure that you have the right amount of coverage for your belongings […]
The sad reality is that our insurance rates for home, wind, and flood will be increasing in the short term, and here are some reasons why: LAST YEAR’S SEVERE LOSSES 2020 was an awful year for hurricanes, fires and global catastrophes. The greater expense results in higher insurance costs for you and me. GEOGRAPHY The […]
In case you haven’t noticed, insurance rates for vehicle coverage are starting to skyrocket. The increase in distracted drivers has caused many more accidents, and newer vehicles have very expensive computer components that are making repairs almost cost prohibitive. A number of factors could increase your rates, including a bad driving record, bad credit, driving […]
The most important reason to have life insurance is to avoid leaving your loved ones with significant debt and expenses. We are not promised tomorrow, and when you leave your family behind, there is a serious financial impact. Life insurance will help with covering burial costs, paying off the mortgage, paying for your children’s continued […]
In our current climate, more people are working from home to avoid Covid-19. Unfortunately, that puts all of us at greater risk for a computer virus. Almost every week, headlines frighten us with news about data breaches, cyber attacks and identity theft. Innocent-looking emails entice us to click thorough to unprotected sites that download a […]
Your home is one of the largest investments you will make during your lifetime. There are so many decisions, such as location, style, construction type and whether to buy an existing home or build a new one. Then comes the price tag, including closing costs, monthly financing, attorney fees, utility deposits and the dreaded insurance […]
Starting your business gives you plenty to do and think about. You must develop a legal corporate structure, set up your tax ID, register with the state, determine a location, hire staff, set up your accounting system and buy insurance. Each industry is different, but the best way to start is to understand the specific […]
As we adapt to our new normal, we must consider what we’ve learned from this pandemic experience and how we can be better prepared for the next event. Every part of our lives involves risk, from driving to work or school to making investment decisions. We each need to evaluate what our risks are, then […]
