It doesn’t matter if you run a restaurant or a manufacturing plant, having the right commercial insurance is essential. It can protect you in an assortment of potential situations, yet you can also tailor from your commercial insurance to opt into coverage you need without paying for features your business doesn’t require. THINK Insurance & Financial Services is able to provide you with the assistance your Pomona, CA business needs.

Property Insurance

If you own the property, investing in property insurance is a must. However, even if you don’t own the physical plot of land or building, it does cover your tools, computers, and inventory, so depending on the kind of business you run, property insurance is important.

General Liability Insurance

If your goods or services cause any kind of harm or bodily damage to a customer, they can come after you. With general liability insurance you’ll have the additional coverage to pay for defense attorneys and damages, should it come to this.

Commercial Auto Insurance

Whether you use a large fleet or have a single vehicle used for work, you’ll need commercial auto insurance. Even if you use your own vehicle part-time, if you’re driving the vehicle for business you may need to look towards this insurance addition.

Worker’s Compensation

If you have employees you need to look towards worker’s compensation as a way of protecting both you and them in the event of an injury at work.

Regardless of the kind of company you run, you need to have the right kind of insurance. This can be difficult to select, which is why THINK Insurance & Financial Services is here to help every step of the way. Whether you’re in Pomona, CA or somewhere else in the region, contact THINK for your commercial insurance needs.

The moment you buy auto insurance is the moment you likely forget about it. It’s just another responsibility to check off a list. But auto insurance is a major purchase, and one THINK Insurance & Financial Services knows you should pay more attention to.

1. It Protects You

If an uninsured motorist hits you, insurance may be the only thing that helps you pay for the damages. It’s a safety net that keeps your finances from being sucked away, and there are a variety of events it helps you with.

2. You May Not Have the Right Policy

If you’ve chosen the bare minimum of coverage, there’s likely a few scenarios that will end up costing you more than you can afford. For example, California has its limits when it comes to bodily and property damage, and everything else you pay will be out of pocket.

3. Insurance Can Be the Best Source of Advice

Knowing who to can be just as important as the research you may do on your own. If you live in Pomona, CA, you’re going to want to work with someone who can help you and answer your questions as honestly as possible.

4. It’s Not Just About You

Insurance helps every driver on the road, not just you. The roads cannot stay safe if people don’t practice security in their daily lives, and insurance is an exceptionally large part of that.

5. The Company You Keep Is Important

THINK Insurance & Financial Services serves the people of Pomona, CA, and we’re here to make it easy to both obtain and understand insurance. We can help the new and the seasoned drivers alike. If you’re looking for information or a new quote, then give us a call today!

After the economic crisis brought on by the real estate market collapse in America that started in 2006, the prices of homes in the Pomona, CA area plummeted, just like they did in many other parts of the country. The good news is that the home values in Pomona, CA have returned to match or exceed what they were before the crisis hit.

There are different types of home insurance. Some set the maximum value of the insurance coverage to a certain value amount. Other insurance policies have an annual escalation clause to take into account the replacement value of the home. The more sophisticated insurance policies that insure the replacement value are, in general, superior. The replacement calculation should be renewed each year and taken into consideration when setting the home insurance values.

This is a good point for consideration. Pay attention to anything significant things that may have changed in the home over the previous year.

All of these improvements create the need for a new re-evaluation of the replacement cost of a home. This is a good reason why it is a great idea to conduct a home replacement valuation each year. The total figure from this analysis is very useful to make sure you have adequate insurance coverage.

This is how to make sure you have the proper level of home insurance to cover the costs to rebuild your home if necessary because of a disaster.

Be sure to check with your agent at Think Insurance & Financial Services in Pomona, CA for any questions about your home insurance and to make sure you have adequate coverage for replacement value.

It is always better to been prepared in the case of a serious disaster emergency and to have proper home insurance coverage for the replacement value of your home.

When you buy auto insurance, it’s important to look at what you’re getting. You want to get a policy you can rely on in Pomona, CA. This means not only adhering to the state minimums for liability, but going above and beyond these as well.

Why Go Above?

The state dictates the minimum level of coverage you must have an auto insurance policy. This means an insurance company won’t allow you to go below these levels. Although it costs more to add more coverage, it’s not a lot in most instances.

Your goal should be to reduce the amount of money you have to pay out of pocket in an accident. Most of the time, you will pay your deductible, and that’s it. However, there will be instances where you have to pay for an accident beyond what the liability coverage on your policy covers. For example, if you have $25,000 worth of property coverage and you cause $40,000 worth of damage, you might be held financially responsible for the remaining $15,000.

How Much Above?

The amount you decide to go above the state minimums is up to you. Not only do you want to consider increasing the liability levels, but also adding coverage that the state doesn’t require. This includes comprehensive coverage, so you are covered against things that don’t involve driving.

Our agents at THINK Insurance & Financial Services will be able to help you determine how much above state minimums you should go. This will depend on your budget as well as the kinds of accidents you have been involved in throughout the past few years.

Contact us at THINK Insurance & Financial Services today to find out more about auto insurance. Our independent agents will be able to get quotes from multiple companies and help to find an affordable policy.