Why should someone get commercial insurance in Georgia?

Posted on March 31, 2021March 31, 2021 by admin

If you are an aspiring business owner, finding a good place to start your company is important. If you are looking for a location to open your next business, Snellville, GA is a good option to consider. In this city, the local economy tends to support small businesses. If you are looking to start a company anywhere, having the right insurance is important. There are many reasons to get commercial insurance here.

Insurance Protects Business Assets

A key reason you will want to have a commercial insurance plan for your business is to protect your company’s assets. If you are going to start a business and need to invest in equipment or inventory, you will have made an investment that needs to be protected. A commercial insurance plan can be designed to protect any of your company assets.

Insurance Offers Liability Protection

It would be best if you also got a commercial insurance plan to be protected against liability risk. If you operate a business, you are bound to take on some liability risk. If you are found liable for an accident, it could threaten the future of your company. If you obtain a commercial insurance plan, it will include coverage that can mitigate and protect against this risk.

Having proper commercial insurance is very important for any business, and it can help protect the company’s future. When you want to get a new plan and are in the Snellville, GA area, it would be helpful to call Birdsong Agency Inc. The team with Birdsong Agency Inc. understands how important commercial coverage is. They can then work with you and your team to assess your business risks and provide the support needed to build a new plan for your organization.

Three things you need to know about bonds insurance

Posted on February 27, 2021February 27, 2021 by admin

It’s important to understand what bond insurance is and how it works if you need a policy in Snellville, GA. We provide bonds insurance at Birdsong Agency Inc.

The following are three things you need to know about bond insurance.

Bonds insurance guarantees repayment.

The number one function of bond insurance is to secure bonds. When it comes to bonds, bond insurance guarantees repayment of the principle. This means that bond insurance is set up to protect those who borrow and give them greater financial security.

Bonds insurance prevents the default of borrowers by ensuring that the principle will be repaid.

Some policies also guarantee repayment of interest.

Bonds insurance doesn’t only guarantee repayment of the principle. Bonds insurance policies can vary in terms of what types of coverage they include. There are added coverage types for those for whom coverage for repayment of the principle may not be enough.

Some bond insurance policies can offer even more coverage. Some bond insurance policies will also provide a guarantee for repayment of interest in addition to repayment of the principle.

Bonds insurance is typical when it comes to asset-backed securities or municipal bonds.

Bonds insurance is associated with certain types of financial exchanges. While bond insurance policies can vary, they are generally associated with the issuance of municipal bonds and asset-back securities in particular. Bonds insurance will most commonly be seen and offered with these types of financial agreements.

We’re here to help you at Birdsong Agency Inc. if you have more questions about bonds insurance in Snellville, GA. Get in touch with us today to inquire about our policies and learn more about bond insurance.

Who should have life insurance

Posted on January 30, 2021January 30, 2021 by admin

Life insurance is something universally beneficial. It protects those you love from the financial devastation caused by losing the primary breadwinner in a family. Of course, the loss of the stay-home parent can be just as devastating. When answering the question of who should have life insurance, it is hard not to say that everyone should have it. While that is the simple answer, nothing in life or death is simple. At Birdsong Agency Inc. in Snellville, GA, our agency has more than 50 years of combined insurance experience. We use the experience to provide our customers with the information they need to make informed decisions about their insurance needs.

Today’s families are different from families in the past. In the past, the father was the one who worked outside the home, and the mom stayed home and took care of the children and the home. Today almost 65% of families have both parents employed outside the home. That means mom needs life insurance as much as dad does. Even if one parent is staying home, trying to replace them with paid help will strain most incomes. It makes looking at life insurance very different and ensuring both parents are insured more important than ever.

Life insurance may not be a big necessity for younger people who don’t have a dependent or debt. As long as you have enough money to pay for final expenses, you should be fine.

For seniors, part of estate planning is having your final expense paid in advance. If you are done with mortgages and have a solid amount of savings to keep you comfortable for the rest of your days, life insurance is unnecessary.

Contact Birdsong Agency Inc. in Snellville, GA to discuss your life insurance needs. Visit our website to see all the insurance products we offer.

Things To Consider When Shopping For Auto Insurance

Posted on December 30, 2020December 30, 2020 by admin

If you are a car owner living in the state of Georgia, you should understand that auto insurance is required in the Peach State, and driving without it is considered a crime. It may be difficult to find good and proper auto insurance that addresses your insurance needs, especially if you have never done it before. Therefore, Birdsong Agency, Inc., serving Snellville, GA, and other surrounding towns, prepared a list of things that you should take into consideration when shopping for auto insurance:

Information you provide about yourself. An insurance company expects you to share factual information only. Many people decide to provide fake information instead. However, it is quite risky because if they are caught, they might face severe punishment.
Payment options. There are several options to pay for your auto insurance. You can pay annually, every six months, or monthly. Most insurance companies offer additional discounts for those who decide to pay annually. To decide what payment option is better for you, you need to evaluate your budget and current financial situation.
Coverage. The state of Georgia requires everyone to carry at least the minimum amount of coverage. Many car owners prefer this option to save some money. However, the state minimum may not be enough, and in case of an accident, you will have to cover most of the expenses by yourself.

Car insurance is one of the most important investments for a car owner because it protects a car owner himself and the vehicle. If you live in Snellville, GA and you are currently looking for auto insurance, Birdsong Agency, Inc. will be glad to help you. Do not hesitate to give us a call to talk to one of our experienced agents and get the information you need.

Three steps to finding commercial insurance coverage for your company

Posted on November 30, 2020November 30, 2020 by admin

Business owners in Snellville, GA need to find the right commercial insurance policy to meet their financial needs. At the Birdsong Agency Inc., we provide commercial insurance policies to Georgia business owners.

The following are three steps to finding commercial insurance coverage for your company.

Figure out what your risks are

The number one thing you need to do to get started is to perform a risk assessment at your company. During this risk assessment, you’ll determine what your company needs coverage for.

Analyze your liabilities. Also, identify all the company assets you want to protect with insurance coverage. It’s also important to determine what types of commercial insurance your company is legally obligated to obtain.

Research providers in your area

It would help determine which insurance providers in your area are best for you to purchase commercial coverage. Look into the offerings of different providers and determine if they’re appropriate for your company’s needs.

Get quotes and select a policy.

Once you’ve identified providers who offer the coverage types you need, you can get some quotes on appropriate policies. Then, you can analyze quotes and make a selection.

Remember that meeting commercial insurance needs is an ongoing process. You’ll want to periodically reevaluate your commercial coverage as your company grows and changes. Revisit your commercial insurance coverage on at least an annual basis and make adjustments to ensure that your company is adequately covered.

At the Birdsong Agency Inc., we’re here to answer all your questions about commercial insurance coverage for your company. If you’re running a business in Snellville, GA, it’s important to protect your company with commercial coverage. Get in touch with us to learn more.

How to Get a Home Insurance Policy in Snellville

Posted on October 26, 2020October 26, 2020 by admin

If you’re looking for a home insurance policy in Snellville, GA, you’ve likely been confronted with a vast array of options. From online banners to print advertisements, it’s easy to feel overwhelmed with the number of companies that promise the best coverage. Birdsong Agency, Inc wants you to know more about how home insurance policies work and how you can make sure that you have one that’s right for you.

Consider the Facts

The most important thing about your home insurance is that it matches what you’re looking for. This means that you take stock of the most likely events that could happen to your home or within your home. This can include everything from nasty storms to theft to vandalism. For example, let’s say that a physical therapist uses their home office as a place to see clients. Their policy will look very different from their neighbor’s policy because they need to structure their policy to ensure that their clients and their space are adequately protected.

Talk to a Pro

A home insurance policy isn’t a short document, and it’s not exactly a beach read either. It’s all too easy to make assumptions about whether certain things are covered. For example, maybe people may assume that flooding damage is a part of a standard home insurance policy, but this coverage actually requires a separate rider. If you really want to know more about your policy’s specifics and how to sign up for the right one, it’s really better to talk through the issues. If you’re looking for someone who understands the industry inside and out, contact Birdsong Agency, Inc today. We’re here to serve the homeowners of Snellville, GA, and give them some helpful tips on nailing down a better contract.

Insurance Blog

Birdsong Agency Inc

Get a Quote, Instantly!

Author: admin