HOW CAN WE HELP YOU?

Click to Call
Allsurance Group

110 Garner Road, Suite 3
Spartanburg, SC 29303

Get Directions

Let’s Talk about Home Insurance

Posted on by agentinsure

Home insurance; while most people have an idea of what home insurance is and why they need it, they might not realize that their insurance isn’t currently covering them properly, or maybe they don’t even know they need one. We would always recommend you review your home insurance regularly. So let’s discuss home insurance. We listed some handy tips below.

If you want to revise your home insurance, or maybe you don’t have home insurance yet and you need one, Allsurance Group at Spartanburg, SC will help you with this. We can quote you from different providers and advise you on each of them so that you can be confident that you’re in good hands.

The Renter and Home Insurance

If you don’t own your home, you might not realize that you need insurance for your property. To some extent, this is true, because your landlord should have home insurance for things such as damage from natural disasters. But did you know you could potentially still be liable if you or your guest damages the property? You might also want to go look at a type of home insurance that insures your valuables, as this is most likely not included on your landlord’s insurance.

The Homeowner and Home Insurance

Homeowners can’t get around home insurance. You could be out of many costs if you don’t properly insure your home. Even if you have home insurance now, you might want to get your current home insurance renewed to ensure you’re insured for all probabilities and you’re never out in the cold.

You can request your quotes by calling Allsurance Group Spartanburg, SC or request a quote on the website. 

Is Commercial Insurance A Must in South Carolina?

Posted on by agentinsure

Sometimes it is daunting and complicating to operate a small business entity in Spartanburg, SC. Nonetheless, acquiring salient commercial insurance from Allsurance Group agents will ease the operation of your business and protect against losses emanating from scenarios like damage to property or injury to employees. Commercial insurance is tailored to help businesses stay protected against imminent perils that may compromise their success. Depending on the versatile commercial coverage, it can be specifically designed to safeguard the reputation, wellbeing and financial status of a business and employees working for your business.

Is commercial insurance a must in South Carolina?

Commercial insurance is not legally required by law in South Carolina. However, South Carolina advocates businesses possessing four or more workers, seasonal or full-time, to carry workers’ comp insurance. This policy caters to employees’ medical bills emanating from work-related injuries or general illness. Additionally, South Carolina requires all business-owned vehicles to carry commercial auto insurance. Apart from the government-mandated coverage, a business owner in Spartanburg SC must consider other optional coverages safeguarding your business and employees. They include:

General liability coverage: It safeguards your business from claims of physical injury or property damage. It also helps you to cover claims of libel or slander.

Commercial property insurance: It shields your business’s physical structure and other assets of any given business entity, such as inventory, computers and furniture.

Data breach insurance: Several small businesses store crucial personal information for their customers. It protects your business from data breaches and cyber-attacks. In addition, it pays for clients’ legal fees, notification costs and other associated expenditures.

Professional liability insurance: It’s also referred to as Errors and Omissions insurance. It provides defense and damages for failure to or rendering professional services inappropriately. It also covers customers over blunders and missed deadlines.

Business Owners Policy(BOP): It combines property and liability coverage into one simple-to-manage policy. It is pivotal for small business entities that rent or possess commercial assets such as warehouses or office buildings.

Are you still struggling to make an informed decision about getting formidable commercial insurance in Spartanburg, SC? Please get in touch with our dedicated agents at Allsurance Group who will walk you through all the types of commercial coverages available. So call or visit us today, and you won’t regret it! 

Required Auto Insurance in South Carolina

Posted on by agentinsure

South Carolina has strict auto insurance laws that require every vehicle in the state to be covered by at least the minimum amounts mandated by law. However, in South Carolina, the minimum amounts of coverage that you must have are relatively low, and this can leave you vulnerable to lawsuits and other legal and financial problems. If you have no insurance at all, the state can charge you with a specific fine that is charged for every day the vehicle is not insured. To get your vehicle insured, contact us at Spartanburg, SC in Allsurance Group.

Bodily Injury Coverage

The state mandates that you have bodily injury coverage that is for anyone injured in an accident that you cause. This is called bodily injury liability, and there is a minimum amount required for a single person who becomes injured in an accident and another for everyone who suffers an injury from it. In addition, there is an amount required for one person injured in an accident with an uninsured motorist and a higher amount required for everyone who is injured. 

Property Damage Coverage

Medical bills aren’t the only bills that come after an accident. There may be property damage that is caused by your vehicle, and you are required to have coverage for this as well. There is a set amount required for your property damage liability and another amount required for property damage in an accident with an uninsured motorist. The liability coverage pays for someone else’s property damage while the uninsured motorist coverage is for your own vehicle. 

Get Your South Carolina Vehicle Covered

It certainly doesn’t pay to go without auto insurance. In fact, it can cost you quite a bit. To make sure that you have enough auto coverage, give us a call at Allsurance Group in Spartanburg, SC. 

Spartanburg, SC Home Insurance Tips

Posted on by agentinsure

Spartanburg, SC residents know the importance of thinking ahead. You never know what tomorrow will bring, so it’s always good to be prepared. Whether it’s a flood, storm, or other Acts of Nature, the only thing you can depend on is change. 

The Solution to Avoid Worry

Instead of worrying about what the future brings,  you can do something about it by making sure you have protection for whatever tomorrow might bring your way. Visit with us to learn how you can protect your home with quality home insurance so you can sleep better at night, no matter what happens. 

The people of Spartanburg have an ally in Allsurance Group, your friendly insurance company covering the Spartanburg SC area. Not only do they offer solid home insurance, but they also have a wide variety of other types of insurance.

Home insurance is the first thing you should focus on insuring (after your life insurance). You should work with your local insurance experts at Allsurance Group to decide which plan is the best for you. 

In the meantime, consider these tips in finding a home insurance plan:

  • Choose a policy that allows you to add on coverage as you see the need.
  • Add a flood insurance rider or a separate flood insurance plan to make sure you are covered for unforeseen flooding, even if you are not in a flood are.
  • Focus on the costs involved in a total loss. That’s the amount of home insurance you need.
  • Ask questions before signing your policy so that you know what the fine print means.

At Allsurance Group, we put our customers first and we are always happy to answer any questions you ask. We have your best interests at heart and we’ll prove it. 

What’s Unique about Commercial Insurance?

Posted on by agentinsure

Owning a business in Spartanburg, SC is a dream come true for many people. However, there are different things you need to consider getting it right from the word go. You see, a business comes with lots of risks, including theft, fire, malpractice claims, product liability, accidents, and negligence. One way to help you cover these risks is by purchasing a commercial insurance policy.

At Allsurance Group, we are committed to offering you the right insurance that suits your needs. But first things first. Why do you need a commercial insurance policy? What’s so unique about commercial insurance? While you can devise safety measures in your business to keep risks at bay, commercial insurance is the only strategy to guard your business against the below.

Liabilities

Protection against liability is essential for every business owner. When you sell a service or a product, you attract a certain amount of liability. If someone gets injured at your workplace or gets harmed by using your product, you are held accountable. With commercial insurance, you are protected against such risks.

Protection of assets

As a business owner, you have valuable equipment and fixtures that help you run your business. If they are stolen or damaged, it would cost you thousands of dollars to replace them. Thankfully, commercial insurance coverage ensures that this is not your headache since the policy replaces your items when lost or damaged.  

Offers credibility

People are more likely to associate with a business that is insured more than the uninsured one. Besides being professional, your customers and suppliers are assured of a way out if the company fails to honor its commitments. As such, commercial insurance offers a competitive advantage to your business. 

Employees’ protection

Commercial insurance offers protection to your most valuable assets: the employees. If any of your employees got sick or injured, workers’ compensation insurance sorts out the medical expenses. To some extent, it even replaces their lost wages and offers a financial benefit in case of death.

Commercial insurance in Spartanburg, SC 

Your business is an investment you’ve worked hard for, and for that case, it needs protection. And commercial insurance offers that protection. Ready to purchase your policy? Call us at Allsurance Group for an affordable quote. We aim to help safely guide your business for your peace of mind. 

Common Myths About Auto Insurance

Posted on by agentinsure

We cannot stress enough that auto insurance is a must-have investment if you own a vehicle in Spartanburg, SC, and other parts of America. While auto insurance is mandatory in South Carolina, car insurance comes in handy when faced with unfortunate events. Auto insurance provides liability protection, protects your assets, and pays for medical expenses when involved in an auto accident. 

Regrettably, you might find many motorists without auto insurance. While there are many reasons people choose not to buy auto insurance, misconceptions around car insurance contribute to this trend. In light of this, Allsurance Group is here to debunk common auto insurance myths. 

Myth #1: Color affects your auto insurance rate

You might have heard that color, especially red color affects your auto insurance premium. The truth is that insurers don’t factor in the color of your vehicle when computing the insurance rate. In fact, your insurer doesn’t even know the color of your vehicle. Claim history, age, model, location, and driving history are some factors considered when establishing your auto insurance rate — color isn’t one of them. 

Myth #2: State-required auto insurance is adequate

South Carolina requires motorists to have at least property damage and bodily injury liability coverages in their auto insurance. While purchasing these coverages is vital, they are never adequate. You need to consider other auto insurance coverages like comprehensive, collision, PIP, and roadside assistance coverages for maximum protection. 

Myth #3: A traffic ticket automatically increases your auto insurance rate

Although getting a driving ticket isn’t something to be proud of, if minor, it has no impact on your auto insurance rate. However, the problem is when you have multiple traffic tickets — they can increase your auto insurance premium. 

Myth #4: Comprehensive coverage protects you against everything

Perhaps, because of the name comprehensive, many people assume that comprehensive coverage protects you against everything. The truth is that comprehensive coverage protects your vehicle against physical damage from perils like theft, fire, falling objects, and several natural calamities but excludes collision-related risks.

Buy auto insurance today!

Are you looking for auto insurance in Spartanburg, SC and its environs? Please contact Allsurance Group for an affordable quote. 

Why should I get auto insurance in Spartanburg?

Posted on by agentinsure

People that live in and around Spartanburg, SC will want to own a vehicle as it can make living in the city more efficient. As you are looking to buy a new vehicle, you need to make sure you consider your insurance needs. Owners of vehicles in this state should get an appropriate auto insurance policy for a few important reasons. 

Insurance Coverage Ensures Compliance with Requirements

One of the reasons that people here should get auto insurance is because they will likely have insurance requirements they need to follow. Most vehicle owners in South Carolina will have taken out a loan when they bought the vehicle. Along with the loan, they will have signed an agreement saying they will maintain full insurance protection. Further, drivers in this state need to have liability insurance to comply with the law. 

Insurance Protection Offers Valued Coverage

Even if you were not obligated to carry insurance, having it would still be a great investment. With an auto insurance plan, you will have the coverage needed to repair or even replace the vehicle following an accident. Additionally, you will have liability protection that will be helpful if you are ever found responsible for an accident that resulted in damages, which you would typically be responsible for.

Picking an insurance policy for your vehicle is very important. When you are in the Spartanburg, SC area and looking for a new plan, calling the team with the Allsurance Group would be a great idea. If you do call the Allsurance Group will get to learn a lot about how auto insurance will protect you and your vehicle. The team can offer you all the support and guidance that is needed to choose a new plan that is ideal for your situation. 

Why South Carolina Business Owners Need More Than One Type Of Commercial Insurance

Posted on by agentinsure

If you are a business owner in South Carolina, you are among over 400,000 small businesses that make up about 99.4 percent of all the state’s businesses. Because of a friendly business environment-no property tax, no inventory tax, and a favorable corporate tax structure- South Carolina is home to many startup and seasoned businesses. 

But despite all these incentives, unfortunate events can quickly turn your business dream into a nightmare. Theft, floods, lawsuits, and accidents can guide your business into a grinding halt. Fortunately, when you purchase commercial insurance from Allsurance Group located in Spartanburg, SC, you can focus on your business knowing that it’s secure.

Why you need more than one type of commercial insurance

As you have seen, businesses operate in an uncertain environment that carries more than one threat. While there is no one-size-fits-all commercial insurance, a combination of two or more options can provide optimal coverage to your business.

The state of South Carolina requires your business to have the following types of commercial insurance:

  • Workers’ compensation insurance: To cover for employees’ medical costs suffered in the workplace. It also protects your business from lawsuits emanating from injured workers.
  • Commercial auto insurance: You should purchase liability insurance and uninsured motorist coverage for your vehicles used for business purposes.

While the above coverages protect you from liability damage, they don’t protect your business from theft, floods, negligent lawsuits, cyberattacks, and other risks. That said, consider the below insurance options for maximum coverage.

  • Business owner’s policy that bundles property insurance and general liability insurance to make it affordable. 
  • Cyber liability insurance to protect your business from online crimes.
  • Professional liability insurance to cover for damages in cases of alleged negligence.
  • Commercial flood insurance to protect your building and its contents from flood damage.
  • Umbrella insurance to protect your business when your typical commercial insurance policies run out.

Having seen the importance of carrying more than one type of commercial insurance, it’s time to partner with an agent that takes your business needs at heart. At Allsurance Group situated in Spartanburg, SC, we will work with you to establish adequate coverage that you need to run a safe, successful business.

7 Auto Insurance Terms You Should Know

Posted on by agentinsure

Auto insurance may not always be straightforward to understand and some terms might be confusing. It can be a good idea to speak with a reputable insurance agent to get a better understanding of what certain terms mean in your policy. At Allsurance Group in Spartanburg, SC, we have helped countless clients understand the ins and outs of their auto insurance policies. We have worked for years to find the most affordable rates of the highest quality auto insurance possible.

Auto Insurance Terms Worth Knowing

It is important to understand your insurance policy and what is covered. There are many terms used in auto insurance. Here are some common terms you may hear or see in your auto insurance policy:

  • At-fault Accident – This is when you are the cause of an accident.
  • Comprehensive Coverage – Pays to repair your vehicle after nonaccidental-related issues like fire or theft.
  • Deductible – A determined amount an insurer pays after a claim.
  • Full Coverage – Type of insurance that includes liability, comprehensive, and collision.
  • Primary Use – How your vehicle is most often used.
  • Underwriting – Method used by the insurer to calculate rates.
  • Limit – Maximum amount paid by your policy.

There are many more terms you might see and an experienced agent will be able to help you with any questions you may have.

Quality Auto Insurance in Spartanburg, SC

Contact us at Allsurance Group in Spartanburg, SC to speak with one of our agents about affordable auto insurance for your vehicles. We have years of experience helping customers get the best rates and policies to match their needs. We look forward to serving you in Spartanburg, SC.

Who should get an auto insurance plan in South Carolina?

Posted on by agentinsure

The Spartanburg, SC area can be a great place to live. Those that are in this area of the state will find that the city offers a lot of great professional opportunities and fun recreational options in the area. One way to ensure that you are able to access all of these amenities, getting a car is a great idea. Along with a car, you need to get auto insurance in this area. There are several situations when someone should obtain this coverage. 

Those with Auto Loans

A scenario when someone should get auto insurance in South Carolina is when they want to take out an auto loan. If you have used a loan to buy a car there will likely be some insurance requirements that you need to meet. Most lenders will require you to carry collision and comprehensive auto insurance as it will properly protect their collateral. 

Those that Want to Drive

Even if you own a car without a loan you are still going to have auto insurance requirements. In the state of South Carolina, all people are required to carry liability auto insurance whenever they take a car out on the road. This coverage ensures that drivers can afford to pay for damages they could cause during an accident. If you do not have this protection, you will not be in compliance with state laws and could face several different penalties. 

When you are looking to get an auto insurance plan in the Spartanburg, SC area, it would be wise to call Allsurance Group. When you do call Allsurance Group you can learn a lot about your options. The team will assess your situation and give the guidance you need to pick a plan that properly protects you.