As the year approaches, now is the perfect time to reflect on your life and business over the past 12 months. What worked and what didn’t? What has changed? As you take stock of where you and your family and/or your company and staff are, don’t miss the opportunity to assess associated insurance policies. Weighing current coverage and associated relevant life changes will help you decide if it’s time to make a change.
When it comes to insurance, consider your portfolio a permanent work-in-progress. Life and business constantly change. So should your insurance coverage. In fact, millions of displaced Californians have recently learned that their insurance coverage was insufficient. Losing their homes and possessions to fire, they learned too late how crucial it is to make sure coverage meets current circumstances.
The new year is the perfect time to examine your needs relative to auto, home, life and commercial insurance. This way, you’ll be prepared for whatever comes your way.
Focus on what could happen to your vehicle, home, health/life and company. When you face potential scenarios, you can accurately assess the role your insurance portfolio should play so you can quickly recover from virtually any setback. After all, if tragedy strikes, you will be relived you took the time to prepare for every eventuality. Preparing isn’t fatalistic. It just makes good sense. In fact, in some cases, you may be paying more than you need to. It pays to review!
Commercial Insurance –
The only constant in business is change. While most entrepreneurs understand this, they fail to take it into account when it comes to insurance. But failing to adapt policies to reflect change can lead to insurance gaps. The best way to manage this is to ask your insurance agent to review your policy. We will make sure your insurance covers your business in 2019, even if the policy was written in 1963.
Personal Insurance –
Most automobile owners remember to call their insurance company within 30 days of buying a new or used car. But do you ask your agent to review your policy after tickets drop off of your record or when you move to a safer location? You could be paying more than you need to for auto coverage. The same is also true of health and life insurance. Rates change. Companies begin contracts with new providers, which could equal savings for consumers. So, don’t shy away from a policy review for fear doing so will be costly. And if your premiums increase, it would be because your existing policy is providing insufficient protection. That defeats the entire reason for coverage in the first place!
We would love the opportunity to schedule a visit with you to review your current policies and discuss your options.
Inclán Insurance Services in La Verne, California, near San Dimas, and offers myriad insurance programs, inside as well as far outside of our immediate geographical location. Among our book of extensive insurance offerings: business – cannabis, contractors, general liability, worker’s compensation, commercial auto, commercial property, and entertainment; and personal – automobile, classic cars, motorcycle, health, homeowner’s, renter’s, and life insurance.