Friday, January 9, 2015

Shopping for Decatur, GA Home Insurance Policy: Factors to Consider

Your application for insurance may also be affected by your insurance score. This is separate from your credit score, although credit companies and insurers will tell you that your insurance score is based on data from your credit report. Your insurance score reflects insurers’ projection of your likelihood to file for a claim. The higher your insurance score, the less likely you are to file a claim, and the lower your premium is expected to be. All these factors show just how difficult it could get to find the right policy for your needs, and how important it is to work with a Decatur, GA insurance company like Focus Insurance Group, which prides itself in having a friendly staff who can patiently guide their clients in making the right insurance policy choice.

Wednesday, January 7, 2015

Why Decatur, GA Business Insurance is Preferable to Personal Insurance

Business auto insurance still holds a number of unique features such as employer protection. In the event of an accident, the employer could be held accountable for the employee’s mistakes. While the employee is covered by his personal auto insurance, the employer isn’t. In the worst-case scenario, the business may end up billing its own employee for the damages. In this regard, Decatur, GA auto insurance companies like Focus Insurance Group recommend getting business auto insurance for their fleet. Assuming the employee at fault carries personal auto insurance, the employee’s and the business’ policies can protect both from damages.