Insurance for all your needs
Business Owner Policy+
Business insurance can be daunting to any business owner; will my business survive should some of my key employees becomes disabled? Do I have all my bases covered in the case of an emergency? Do I have enough to deal with a potential lawsuit? The fact of the matter is you need to know what your liabilities are when it comes to your business. Here are some of the more common business insurance policies that we at Southern Trust Company deal in: General Liability Insurance, Product Liability Insurance, Employee Insurance, Business Liability Insurance, Various Other Options
From theft, to bodily harm, to auto damage, there are a whole series of unforeseen events that can happen to your fleet. This is why we offer versatile plans that are designed to not only let you rest easy, but save you money. Some of the most popular policies we offer include: Bodily, Injury Coverage, Property Damage Liability, Collision Coverage, Comprehensive Coverage, Uninsured/Underinsured Motorist Coverage, Deductable consultation
When businesses use us for their umbrella liability policies, they gain from a wide array of benefits. As implied by the name, an umbrella policy is a supplemental plan that covers or 'drapes' pre-existing policies. On top of that, it generally isn't limited by geography. In other words you can take your policy with you and rest assured with our worldwide coverage that is effective beyond Nogales's borders. Some of the other benefits include but are not limited to: Broader definitions of bodily injury, personal injury and other types of injuries, Further limits against worst case scenarios, Covers a wide range of liability insurance, Provides additional coverage for claims that may be excluded by other policies.
Like all forms of insurance, there is no standardized solution that will fit all the needs of Nogales's diverse commercial community. A business establishment is very similar to a domestic property. It is susceptible to many of the same threats and dangers that can happen to your home; theft, fire, water damage and so on. Though unlike your home, there are many other challenges that present themselves when it comes to your business: equipment breakdown, employee dealings and lost time (and profits) resulting from interruptions throughout the claiming process.
Even if you are self-employed and run a home based operation you still need coverage found in a general liability insurance plan; remember, most home insurance policies in Phoenix do not cover your home business. Sadly, many small business owners operating from home have found this out the hard way. We want Phoenix to know that no matter what your business is or where it is located you definitely need to get covered. Here are some of the more popular coverage options: Injuries to customers, employees, vendors and visitors that occur on your premises, Injuries that occur outside your business premises that are caused by an employee, Third party property damage caused by an employee.
Not everyone is a lawyer and no one has the time to figure out all the legal complexities that can result in a lawsuit. Furthermore, as anyone in Nogales knows, legal costs can pile up and get very expensive. This is exactly why professional liability is so important; Nogales's business owners might be held accountable for damages they may not have even known existed. Understanding all these issues can be daunting if not completely overwhelming for those who are not familiar with them; this type of liability usually requires high levels of analysis from attorneys, actuaries and economists in order to tailor a plan that is right for you and your company. Luckily, we have been in the insurance business for many years and through our networks of dedicated and committed professionals we have been delivering exactly what our clients need.
Southern Trust Company offers a number of different types of insurance for your vehicle. There are comprehensive packages which can be tailored to your specific situation depending on the level of coverage you desire. Here is a brief overview of some of the coverage options Southern Trust Company provides the motorists of Tucson: Liability Insurance, Collision coverage, Comprehensive coverage, Personal Injury Protection, Uninsured/ Underinsured Motorist Protection.
Southern Trust Company: making sure your Tucson mobile home stays protected. Like most insurance policies, there are different levels of protection when deciding on what insurance is best for you. Here are the three main forms of coverage to consider when insuring your mobile home: structure, personal property, and liability.
There are a number of factors that insurance providers consider when prescribing an insurance package. First there is the age of your home. Depending on how old the components of your home are your insurance rate will be higher or lower. This is because old equipment has more potential to be hazardous. For instance, old pipes are more likely to crack and older electrical systems have a higher chance to malfunction.
Another factor is the heating system you use. Forced air furnaces or electric heat pose less of a risk than oil heating but the age and condition of your tank is also important to make an assessment. Wood stoves offer many benefits to a home but also bring in potential danger such as fires and carbon monoxide poisoning so wood stoves increase coverage costs. Of course, certain areas are safer than others so where you live is also a determining factor. Insurers keep track of policies by area and if you live in an area where there are frequent claims made then your insurance will need to reflect that.
Both renter insurance and condo insurance are designed for people who live in shared buildings that contain other homes. Both policies cover the cost of replacing your personal property in the case of damage or theft. Both policies also offer liability insurance, which covers you in case you are held personally responsible for another person’s injuries or for damage to their property. Condo insurance provides one additional type of coverage, which is insurance coverage for parts of the condo building which are owned directly by you and not covered by the condo association’s property insurance.
Boat/ RV/ Motorcycle+
While there are no federal or state laws that require your boat be insured, most marinas in the Nogales area will require proof of insurance to moor your boat. Even if you have a private dock and years of experience on the high seas, it is always best to err on the side of caution. Don’t wait for an accident to make you realize how important it is to have your boat insured. Remember, you can’t put a price on peace of mind.
There are many different RV insurance packages to choose from. Before purchasing an RV insurance policy it is important to take into account many factors, including the make, model, and condition of your RV.
If you are an avid rider you know the thrill and sense of adventure that comes with riding a motorcycle. We at Southern Trust Company realize that there is no way to predict an accident, but in the unfortunate event that an accident does happen, we want to make sure we have you fully covered.
Your current insurance policy may only protect you for certain things at a certain level of liability. Umbrella insurance is designed to start where your other insurance policies stops. It can be a safety net against the following: Libel, Defamation of character, Vandalism, Invasion of privacy, Injuries, Property damage, Certain lawsuits, False arrests.