Of course, every business needs insurance, but insurance for dog groomers has its own unique needs. Certainly, Dog groomers, trainers and daycares need commercial insurance. In addition, pet groomer insurance coverage is important if a dog is injured on your watch, your business could face a lawsuit. Also, dog groomer independent contractor insurance will cover your business if a customer sues or a dog bites an employee.  The National Dog Groomers Association of America has some great information on pet business insurance too.  

Professional Insurance Strategies helps couples protect their wedding day which can be a significant financial investment. In this blog we will explain the ins and outs of wedding insurance and why you should add it to your wedding budget today.

Any car that you own you must have insurance on it. We know you don’t want to spend a penny more than needed on a policy and you shouldn’t have to. Knowing what affects your auto insurance rates will help you figure out how to save on your car insurance and still get great coverage. We will explain below different ways to help lower your car insurance costs.

First things first, you want to shop around.

Good thing is, here at Professional Insurance Strategies we have over 50 carriers that we can shop your insurance policies through to make sure you receive the best policy at the most affordable price.

Taking advantage of car insurance discounts is another way to save. Every insurance company offers different ways to lower your car insurance premium. Our team knows of all these discounts so make sure to ask about them when they provide you with a quote. Just because an insurer offers many discounts doesn’t mean it offers the lowest price.

One of our agents will go over that with you.

Traffic tickets and accidents will increase car insurance premiums. If you get a ticket and you are offered the opportunity to do a course to get it dismissed or reduce the number of points that go on your driving record, take full advantage of this. If points are added to your driving record, your premium will in fact increase.

Increasing your deductible can lower your premium but this can also end up costing you more in the long run if you are in an accident. The average policy carries a $500 deductible. This means you will only have to pay $500 out of pocket if you are in an accident before your insurance will start to cover. If you increase your deductible to $1,000, this may reduce your monthly premium by $10-15 per month. If you are not driving as much right now due to working from home, it might be worth looking into increasing your deductible.

Combining your insurance policies may give you discounts to customers who buy multiple policies.

 If you bundle your home or boat together you may end up getting a lower rate for each. Our agents here at Professional Insurance Strategies will go over what companies offer these benefits and find you the best possible deal out there.

The more expensive your car is the more expensive the insurance on it will be. Insurance companies have different rating classes depending on the type of car that you drive. Those ratings classes will significantly impact how much you pay in auto insurance. Reasonably priced SUV’s and minivans are going to be the cheapest vehicles to insure compared to sports cars that will cost you a lot in monthly premiums. Keep this in mind when you are car shopping.

Our trusted agents here at Professional Insurance Strategies can help educate you on ways to save on your auto insurance. Call or email us today for a complimentary quote!

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First of all, everyone can use some tips for saving on their general contractors insurance.  Also, if you carry general contractors insurance, it is likely that you are spending too much on your premiums. Likewise, construction projects carry a more diverse range of risks and there are more reasons .

Next, the Small Business Administration says that construction business is more likely to be responsible for general contractors insurance in addition to property and vehicle insurance for each site and job. Also, a great way to save money on general liability insurance is to bundle other policies.  Clearly, contact us today and we will look into bundling your general contractor’s insurance with other types of insurance you need for small business.

Also, theft can be a huge problem on construction sites.  Additionally, if materials or equipment get stolen you need contractors equipment insurance. At this point, you may have harmed your relationship with your client because now the job is held up longer.  Additionally, while having to replace the materials that were stolen, your insurance premiums may increase.

Also, in the construction industry it is common for job sites to follow poor theft-preventative measures. In addition, if you take measures to lessen your risk the carriers will offer better liability insurance rates.  Also, if your rate doesn’t decrease, at least you decrease the chances of  construction site theft.

Things to help keep your jobsite secure

     – Have different keys for each piece of equipment
     – Have a strict lockdown protocol for your team to follow
     – Ensure that all construction buildings are locked at all times
     – You could add a sturdy fence to your job site to maintain limited access points for others to walk or drive into
     – Keep records of all items that come and go on the job site

Also, you can also improve safety requirements on your job sites which can save hundreds of dollars on your general contractors insurance. In addition, improving your safety will save on medical costs.

For instance, requiring modern and updated scaffolding for all your contractors on your job site will help improve safety. Also, making safety top priority will help you save on your general contractor’s insurance premiums. Contact us today to become insured and we will make sure you are not over spending more than you should be for your contractors insurance.

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There are a number of advantages to bundling your home insurance with other insurance policies. Many of our carriers offer discounts up to 15% on your home insurance premiums compared to if you were to buy policies individually from different companies. As you can see, bundling multiple policies under one insurer can save you money.

There are multiple benefits to bundling your homeowners insurance with other insurance policies, the benefits go beyond the financial aspect of it.

Get more for your money. When you buy multiple policies from one insurer, there will be cost savings and can translate to the opportunity to add more coverage than what you had before. You can make your money go farther because you can take the money you save from purchasing multiple policies towards policies that you might not have.

When you bundle your insurance with one insurer, you only have to manage your policies through one agent rather than multiple if you use multiple companies. Billing is easier because you make your payments at one time. Also, when it comes to filing a claim, you can work directly with someone on our team who understands your coverage information fully

If your RV is your primary residence, RV insurance is a must. If you use your RV sporadically for vacations and road trips, you will need at the very least liability insurance. If you have an RV loan, your lender most likely will require insurance.

Many people ask for a guesstimate of what RV insurance will cost. However, RV’s are hard to estimate given all the ways you can customize the insurance options. Contact us today and we will explain the ins and outs of RV insurance in further detail and find you the best insurance options for your unique situation. We will ensure that you have the best coverage at the best price.

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Every driver needs automobile insurance and finding the right Arizona Insurance agency for you is important. Auto insurance is one of those fixed costs that go along with the privilege of driving a car and having the right agent is important. Should an accident occur, automobile insurance helps all parties involved. In fact, drivers are required to show proof of financial responsibility when registering a vehicle and at any law enforcement officer’s request at the scene of an accident or at a traffic stop – that proof of financial responsibility is none other than your insurance policy. Hefty penalties can apply if a driver can’t produce this proof.

You need it – that is understood. But that does not mean you have to pay exorbitant prices for automobile insurance.

The Arizona independent automobile insurance industry is booming. With so many options to choose from, consumers have many venues to compare. Some people routinely rely upon larger corporations for the insurance needs, justifying the higher premiums and fees based on industry experience. But you do not have to pay higher fees to get a package that is suitable to your needs.

Arizona independent automobile insurance practitioners offer the ability to craft your insurance package to suit your individual needs, giving you more than the pre-packaged plans that most traditional insurers offer. Due diligence is required during this search, as is the case with every product you buy, but rarely are there so many options.

Here are some things to look for when choosing to go with an Arizona independent automobile insurance practitioner:

Know What’s Required of the State

It is important that you know what is required by law when looking for auto insurance. State coverage mandates are different, so do your research to determine what amount Arizona is required to insure you for in an accident where you have been deemed at fault.

Know Where You Stand

Do you have insurance and want a lower rate? Are you currently uninsured? Do you have multiple traffic violations on your record? These are questions you should know the answers to when looking for an automobile insurer. Many Arizona independent automobile insurance plans can suit your needs… you just must know what those needs are.

Know What You Want

There are several coverage types to choose from, including Full, Collision, and Medical Payments Coverage. While Liability coverage is mandatory in Arizona, there are other options that can be added to that base plan to suit your needs. Understand your needs and budget when entering a discussion with an agent.
Researching companies to find the right fit for you may seem daunting, but it does not have to be. Invest the time and avoid paying for something you don’t need or not getting the coverage you want because it isn’t available outside of the package that traditional insurers offer.

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