There are some types of commercial insurance, such as commercial auto insurance, that are required for businesses. However, several types are optional. These are often important types of commercial insurance that a company needs to have the proper protection. There are many types of insurance. The kind you get depends on what you sell and how you sell it. When you need commercial insurance, call us at Town & Country Insurance in Buford, GA.

Premises Liability 

If you have a storefront for your business, the public will enter your premises. This can open you up to a lot of liability if someone has an accident there. There are countless ways that people can get injured on any premises, even if you don’t have dangerous things to sell. Someone can easily slip and fall and have a costly injury from it. This insurance covers your liability.  

Product Liability 

If you sell a physical product, there are countless ways the item can hurt people. No matter what the product is, you need to have product liability insurance. This covers the costs that can be associated with a customer being injured by a product. This can also keep people from suing you if this does happen. Instead, they would sue your insurance company. 

Cyber Insurance 

If you use computers in your business, especially if you collect customer data, you could be liable if there is a data breach. This can be a costly problem to solve. With cyber insurance, those costs can be covered by your insurance company instead of by your business. 

Get Commercial Coverage

When you have a business, it will need certain types of protection. When you need commercial insurance policies, call us at Town & Country Insurance in Buford, GA. 

At Town & Country Insurance, we see firsthand all the effort our neighbors put into winterizing their RVs, ATVs, dune buggies, and other recreational vehicles. According to Camping World, most RV owners neglect preparing their vehicles for spring. That may extend to smaller vehicles like ATVs and dune buggies, too, so we put together this blog of tips for getting your recreational cars ready for spring use in and around Buford, GA.

Test Safety Features Before Use

After sitting parked for months, your RV needs its safety mechanisms examined and tested before you hit the road. Test each alarm or detector for proper function and test their batteries. If you find a dead or dying battery in your fire alarm, smoke detector, carbon monoxide detector, or LP gas detector, replace it immediately. Examine your fire extinguisher, too.

Run a Check of All Major Systems

On RVs and smaller vehicles, test the electrical systems and tires. Examine the propane or butane system on the RV, including its seals. Check for leaks before putting the system to use.

Inspect the battery connections and fluid levels on every vehicle, then charge the battery. Run a diagnostic on your RV generator and check its air filter. Replace a dirty filter.

Water and Waste Tanks

Your RV’s water and waste tanks need a new anode rod. Repressurize your system using a hose or a full water tank and water pump. Flush out all the winter antifreeze by running the faucets and shower. Flush the toilet to clean it out.

Getting Ready to Hit the Road

Clean and detail the exterior and interior of the RV or other recreational vehicles. Start your spring use of your recreational vehicles the right way. Contact Town & Country Insurance, serving Buford, GA, for RV insurance to protect your financial security while you enjoy your RV and other recreational toys.

Life insurance isn’t something people might need, like auto or home insurance, it is a resource all of us will need at some point. From understanding how life insurance can benefit your life and family to learning about what options work best for your life, Town & Country Insurance helps people from all over the Buford, GA area with all their life insurance needs.

Because Everyone Needs Life Insurance Sooner or Later

Most of us don’t spend much time thinking about end-of-life preparation or planning. The good news is, we also shouldn’t have to, but that doesn’t mean it is a concern we should ignore either.

With the right partner in life insurance and life insurance plans, people don’t have to worry about concerns like burial costs and other end-of-life expenses. The key is to figure out what type of plan meets your needs and have a professional partner to help with all your life insurance concerns.

How to Choose the Right Life Insurance Plan

How much is enough? How much is too much? How do you expect the needs of you and your family to change over the years? These are questions and considerations that the professional, experienced, and friendly agents at Town & Country Insurance can help you figure out and answer.

If you live in or around the Buford, GA area and have questions about life insurance or are shopping for life insurance plans, we invite you to visit us for all your life insurance needs. Contact us to learn how we can help and get the life insurance plans that fit your life and needs today with your local agents at Town & Country Insurance.

There are more similarities between for-profit companies and non-profit agencies than many realize. Certainly, there are significant differences in how each is treated under the tax code, but each is usually required to produce income to reach their goals.

Town & Country Insurance in Buford, GA is pleased to be the insurance provider of choice for many business concerns in the area. We are also proud to insure multiple non-profit organizations in the Buford GA, area. If you are on the board or serve as director of a non-profit, there are many good reasons to make sure your organization is properly covered by insurance.

Why Your Non-Profit May Need Commercial Insurance

Real Estate

Like for-profit companies, non-profit organizations often have real estate holdings they are responsible for. Some may be donated; others may be purchased to serve as offices or headquarters. These properties and structures need to be protected from weather, vandalism, storm damage, and natural disasters. Content in these structures, like furniture, computers, supplies, and equipment, also needs to be protected from theft or other losses.

Liability Coverage

Non-profit organizations are not above being sued by someone who suffers an injury accident on the organization’s property. Volunteers could also suffer a slip and fall or other injury. Liability insurance for a non-profit can not only cover the cost of litigation but also cover the organization’s costs associated with any settlement or court judgment.

Directors and Officers Liability Insurance

Non-profit board and director liability insurance helps protect those in charge of directing an organization from the ramifications of their decisions regarding the operation of the non-profit. This may be critical in recruiting and maintaining a talented board of directors.

Vehicle Insurance

Oftentimes, non-profits will rely on volunteers to use their vehicles when performing duties related to the non-profit. This can be risky should a volunteer become involved in an accident while volunteering. Commercial auto insurance can provide protection for vehicles owned by the organization and those used by volunteers.

Theft

It is unpleasant to consider that some non-profit organizations may be as prone to theft as for-profit ones. This includes theft from employees or volunteers. An appropriate policy can help protect you from these financial losses.

Reach Out To Us

Non-profit organizations may also benefit from a host of other coverage like cybercrime and security insurance, and more. Our business and commercial insurance professionals can help discuss your organization’s risks and protection options. Reach out to Town & Country Insurance for a review and quote. We are pleased to serve Buford, GA area’s businesses and the non-profit community.

Beyond cars and trucks, many families have added recreational vehicles to enhance the enjoyment of their spare time. If you own a boat, ATV, personal watercraft, motorcycle, or other vehicle designed for "fun", you should understand they too, should be insured.

The Need For Recreational Vehicle Insurance

Just like your car or truck, recreational vehicles can be damaged and cause damage. They could be stolen or be involved in incidents that cause personal injury. These are all reasons that your ATV, boat, or other vehicle designed for recreation should be properly insured. Many also need to be transported via trailer to a site they will be enjoying, placing them at risk while on the road.

Use By Others

It may not always be the best decision, but these vehicles are meant to be enjoyed. They are often shared with family and friends during weekends or holidays. It is not uncommon for a more inexperienced driver to be behind the wheel of an ATV, personal watercraft, or boat. This can increase the potential for damage or injury. Will you be adequately covered?

Your Buford, GA Area Recreational Insurance Specialists

Not only can you count on Town & Country Insurance to insure your home or auto, but we can review your policies to make sure your “toys” are covered as well. While it is true that there may be some protection for these vehicles under your homeowners or auto insurance, that is not always the case.

Town & Country Insurance in Buford, GA can help you fill in any gaps in coverage. If you presently own or are considering the purchase of a boat, ATV, motorcycle, or other vehicle, contact us for a review and price quote. We look forward to assisting you.

Life insurance is an important protection and can even be considered an investment, depending on the kind of life insurance and the benefits you choose. Many people put off purchasing life insurance because they don’t think they need it when they are young. At Town & Country Insurance, we understand that life can surprise you. If you are in the area of Buford, GA, let us talk to you about the benefits of locking in a good deal on life insurance when you are young.

Purchasing Life Insurance For Someone Else

There is no minimum age for purchasing a life insurance policy, although there are some rules if you are purchasing a policy for someone else. You must have an insurable interest in the person you are insuring. Otherwise, you could simply insure strangers and receive benefits for yourself when those strangers die. You also need to have permission from the person you are insuring. Many people choose to insure their children at a young age so their children can take over the policy as adults.

Advantages Of Purchasing Life Insurance When Young

Because the value of life insurance depends on risks, many policies will require applicants to provide a medical exam. Most people are healthier when they are younger, developing or discovering serious health problems as they age. Being young is also a good thing because of statistics about when people are more likely to die.

Once you have a great rate, you can keep that rate for as long as you have the policy.

Consult With Us

Protecting your family in  Buford, GA is important, and life insurance is a caring way to do that. If you would like to discuss benefits and rates for various life insurance policies, please call Town & Country Insurance today.

There are a lot of reasons to customize your small business insurance. One of the most practical reasons is that you can save money by only getting what you need. The other most important reason is that you want to make sure that you have all the coverage you need in case anything happens. At Town & Country Insurance, we can help you figure out what your Buford, GA small business really needs so you are prepared for what comes your way.

Get a Business Owner’s Policy (BOP)

This kind of policy is designed to save you money by offering certain kinds of protection together. A BOP is popular among small business owners because it protects you against the most common kinds of claims. Your BOP will probably include coverage for:

• The property where your business is conducted.
• General liability in case of injuries caused at your business or because of your business activities.
• Business interruption coverage in case your business shuts down for reasons out of your control
• Coverage in case your equipment breaks down.

Get Your Policies Together

When you purchase different kinds of insurance coverage in the same place, you will likely qualify for discounts based on that. Also, by having your policies together, you can make sure that you only get the coverage you need and that your coverage doesn’t overlap.

Every business is unique, and you may have needs that another small business doesn’t. At Town & Country Insurance, we want to help you celebrate your uniqueness while protecting your interests. If you have a small business in Buford, GA, call Town & Country Insurance today so we can help make sure you have the protection you need.

Vacations, outdoor explorations, and recreational activities are meant to be fun. However, many things can happen in the blink of an eye when you are out and about in Buford, GA. Town & Country Insurance explores recreational insurance, what kind of belongings it covers, and why you need it. 

What is Recreational Insurance? 

Recreational insurance provides coverage for a range of personal effects, vehicles, equipment, and activities that enable you to indulge in outdoor activities safely. It includes insurance for motorhomes, travel trailers, boats, ATVs, snowmobiles, and other adventure vehicles.

What Should Recreational Insurance Cover? 

When obtaining recreational insurance, it is important to understand what items it covers fully. After all, you want to ensure everything you value is protected. A good recreational insurance policy should cover your vehicles, including the trailer or RV you may have, as well as belongings such as equipment, accessories, and any personal items that you bring on your trip. This can include outdoor gear, electronics, jewelry, and other valuable items.

Why Do You Need Recreational Insurance? 

You need recreational insurance to help you recover financial losses in accidents, theft, or other unexpected events. Whether it’s damage to your recreational vehicle or theft of personal belongings, the insurance will help cover the cost of repairs or replacements. Furthermore, it can provide liability coverage if someone else is injured or their property is damaged during the use of your recreational vehicle or the moving of your belongings.

Reach Out To Us

By getting the right recreational insurance policy in the Buford, GA community, you can protect your belongings and enjoy your time knowing you are protected. So, don’t hesitate – contact Town & Country Insurance to get the best coverage for your needs.

Losing a loved one can be one of the most difficult challenges in Buford GA. However, ensuring that your family is financially taken care of can go a long way in easing the burden during this difficult time. But what happens when you want a life insurance policy for your spouse?

Do you need their permission to do so? 

The answer is no. Consent from your spouse is not required to take out a life insurance policy from Town & Country Insurance. However, it’s important to note that if you decide to take out a policy, you must have an insurable interest in their life. This means that you will suffer a financial loss in the event of the death of your spouse.

You might consider getting life insurance for your spouse for several reasons. For example, if you depend on two incomes to maintain your household, the death of your spouse could put you in a financial bind. Additionally, it can help cover funeral and burial costs and outstanding debts and provide income for your family while they adjust to life without your spouse’s income.

When determining the amount of coverage needed for a life insurance policy for your spouse, consider factors such as their income and their contribution to household expenses. Also, consider any debts your spouse may have, such as mortgages, loans, or credit card balances.  

Reach Out To Us

Your spouse’s consent is not required to take out a life insurance policy on their life, provided you have an insurable interest. If you are near Buford, GA, contact Town & Country Insurance for answers to all your questions about life insurance.

Are you a business owner in the Peach State looking for the right insurance coverage? Town & Country Insurance in Buford, GA is here to help you navigate the complex world of commercial insurance. With tailored policies designed to safeguard your business, the agency’s experts are ready to guide you in finding the perfect coverage for your unique needs.

Commercial insurance is crucial for protecting your business assets, employees, and financial well-being. We offer comprehensive insurance solutions to businesses of all sizes and types.

Here are the basics of Georgia commercial insurance to help you make informed decisions:

General Liability Insurance:

This essential coverage protects your business from financial losses resulting from third-party bodily injury, property damage, or personal and advertising injury claims. It is a foundational policy for businesses of all sizes.

Property Insurance:

Protect your physical assets, such as buildings, equipment, and inventory, from damage caused by fire, theft, and other covered perils. This policy is a must-have for businesses with substantial investments in physical assets.

Workers’ Compensation Insurance:

In Georgia, businesses with three or more employees are required to carry workers’ compensation insurance. This policy covers medical expenses and lost wages for employees injured on the job, while also providing employers with protection against potential lawsuits.

Commercial Auto Insurance:

If your business owns, leases, or uses vehicles for work-related purposes, commercial auto insurance is necessary. This coverage protects against liability and physical damage resulting from accidents involving your business vehicles.

Business Owners Policy (BOP):

A BOP combines general liability, property insurance, and business interruption coverage into one convenient package. It is an excellent option for small to medium-sized businesses looking for comprehensive protection.

We Are Here To Help!

As a business owner, understanding your commercial insurance needs is crucial for long-term success. Contact Town & Country Insurance to discuss your specific requirements and find the best coverage for your enterprise in Buford, GA. For more information, reach out to our knowledgeable team today.