When is it time to drop collision coverage

Auto liability insurance is mandatory in Suwanee, GA for the minimum required by law. To see the minimum requirements you can visit the state of the Georgia Office of Insurance and Safety Fire Commissioner’s website.  Liability is insurance that protects other people and their property from you through negligence or fault. Collison is the insurance that covers your vehicle.

The agents at Insurance Pro group will explain the two kinds of insurance that cover your vehicle, comprehensive, which protects you from theft, fire and vandalism and collisions which provides coverage so that you can have your vehicle repaired in case of an accident. Collison insurance is not required by the state of Georgia, however, if you have a loan on your vehicle, it may be required by your lender.

Assuming that you have paid off the loan on your vehicle and own it outright, do you need to keep collision insurance on it? This is not as simple a question as it seems. Several things need to be considered. First, what is the value of your vehicle? If it was damaged, how much would the insurance company pay to repair it? If the car has a low value, it may be considered a total loss. You need to take a good look at your policy deductible and what you are paying for the coverage. What would you do if your car became a total loss, would you be able to purchase another car?

If you retain the collision coverage the money you receive for your lost car could provide the down payment on a new vehicle. You don’t however, want to pay more than your car is worth. If you live in the Suwanee, GA area, the agents at Insurance Pro Group Inc. can help you to decide what is best for you. Call their office to make an appointment or just stop by, they have the knowledge to help you make the right decision.

3 Benefits of Commercial Insurance

Simply put, commercial insurance is a type of coverage that protects businesses, business owners, and employees. If you are interested in learning its various benefits, keep reading. 

Lawsuit Protection

In an age in which lawsuits seem to be becoming progressively more common, making sure your business is protected is essential. By purchasing a high-quality commercial policy, you will be able to pay for things such as costly medical bills and other fees that may be requested. By settling this through your insurance company, you can prevent yourself from losing time and money on a lawsuit. 

Employee Protection

On another note, your employees are one of your most valuable assets. Therefore, you need to ensure they are protected as well. If an employee becomes injured or some other major issue occurs, your commercial coverage will allow you a way to help your employee without losing lots of money in the process.


Last but not least, if you are making contracts with other companies or vendors, commercial insurance may be required. Some companies are reluctant to do business with other companies they do not feel are reputable. Lacking commercial insurance may make your business appear to be such a company. However, by purchasing a commercial policy, you will not have to worry about issues such as these.

Overall, for residents of Suwanee, GA, purchasing commercial insurance is not only a good idea, but it can be simple too. By contacting Insurance Pro Group, Inc., you will be well on your way. Email us, call, or stop by the office in Suwanee, GA. An independent Insurance Pro Group, Inc. representative would be glad to assist you.

What Life Insurance Policy Is Right for You?

Determining the right life insurance policy in Suwanee, GA between permanent and term is a personal decision that should be based on the financial needs of your beneficiaries and your financial goals. An agent at Insurance Pro Group, Inc. can help you weigh the pros and cons of each policy.

  • Term life insurance will provide death benefits only and will only pay the benefits if you die while the policy is in effect. It’s the most affordable insurance to buy but does get more expensive as you age. It will only be in place for a specific term, but it can sometimes be converted to a permanent life insurance policy.
  • Permanent life insurance will cover you for life and can also provide cash accumulation that builds throughout the policy. It does take about 12 to 15 years to build up cash value, and you typically do need to have a health exam to qualify. It could be more expensive than term life insurance but could save you money throughout the life of the policy.

When deciding between the policies, take account of your current age, financial needs of the family, current state of your health, age of children, any plans for funeral or death expenses, your existing debts and mortgage, the need for additional retirement savings, and your feelings on paying into a term life policy and possibly never getting any money back. By adding up your living expenses, current mortgage, debt, and children’s education costs, you can see how much life insurance you should have. If you are in your 30s, have young children, and are the breadwinner, then a term life policy that would cover your financial obligations could be a good idea. However, if you are 60 with children that are grown, then your needs are different, and you may want a permanent policy that could provide for your spouse, or just a smaller term policy to cover any final expenses.

Contact Insurance Pro Group, Inc. serving Suwanee, GA, to get a quote on life insurance. 

Is it Time to Expand Your Commercial Insurance Coverage?

A commercial insurance policy is a great way to protect your business and the investment you have in it, but you need to make sure you have enough coverage to be protected. If you have not updated your insurance policy in a while, it may be time to take a closer look at it and see if changes need to be made. Especially if your business has grown, having an expanded level of commercial insurance may be something you want to consider carefully. But you also need to talk to an agent at Insurance Pro Group, Inc. so you can understand your options and genuinely get the coverage that matters, instead of just raising the limits of your Suwanee, GA area policy.

One of the problems that people run into with commercial insurance coverage expansion is that they raise the limits. That means higher claims would be paid, but it does not expand the coverage to other areas that may need to be protected. Seeing your business get bigger and add more people, new departments, and products are exciting. Make sure you do not get so caught up in that excitement that you do not realize that your larger business does not have the protection it really should.

Reach out to us today at Insurance Pro Group, Inc. and make sure your Suwanee, GA area business is protected the right way. Then you can truly have peace of mind as you grow, and you do not have to worry so much about what could go wrong. You will have a company and agents behind you that you can trust and feel good about, along with a policy that will keep your business financially protected as you work to make that business even bigger and better.

Can Minors Be Life Insurance Beneficiaries?

Many people take out a life insurance policy to ensure their children are cared for in the event that they pass away unexpectedly. However, one of the questions that people often ask us at Insurance Pro Group Inc., serving the greater Suwanee, GA area, is whether minors can be life insurance beneficiaries. Here is what you need to know about this topic. 

Life Insurance Beneficiaries

Minors can be named as a beneficiary on a life insurance policy. However, minor children typically cannot receive the money from the life insurance policy if it pays out while they are still a minor. If you pass away and the child is underage, the money typically is held in an account until the child reaches either 18 or 21, depending on the terms of the policy and the age of majority in the state in which the policy is signed in. 

If you are concerned about your child being taken care of until they reach the age of majority where they receive the money, you can set the policy up so that it has a Uniform Transforms to a Minor clause in it. The money is transferred to the individual who cares for your child to spend on your child’s needs. Once your child reaches the age of majority, they transfer the remaining balance to your child. Unfortunately, no one oversees these policies, so the money needs to go to someone you trust to spend the money responsibly on your child. 

If you are looking to take out a life insurance policy in the greater Suwanee, GA area, Insurance Pro Group Inc. can help you. Contact us today to talk to one of our agents about your life insurance needs or to obtain a quote. 

Does Your Business Really Need Commercial Insurance?

Whether a business needs commercial insurance can be affected by many things. Some businesses, such as those that are internet-based, may not need to have an insurance policy. That’s especially true if the company is a sole proprietorship and there aren’t any employees to cover. If there’s just the owner, and no customers come to the location where they could probably get hurt, that Suwanee, GA area business probably doesn’t need a commercial insurance policy. But Insurance Pro Group, Inc. can advise you, and let you know whether your business needs that policy or can operate safely without it.

For most businesses, commercial policies are required. They’re designed to protect the business, but also to protect any employees or customers who may become injured at the company’s location. But not all commercial policies are the same, and just getting one to get your business moving forward isn’t going to help you too much. Instead of taking risks by picking a policy you don’t know much about, it’s better to choose a commercial insurance policy that’s right for you. How can you do that? By working with an insurance agency that has knowledgeable agents, and that can give you multiple quotes from different companies.

If you have a business in the Suwanee, GA area and you need a commercial insurance policy or have questions about them, reach out to us at Insurance Pro Group, Inc. We are here and happy to help you find the commercial policy that’s going to work for your needs. Since every business is different, you may need different types and levels of coverage. We understand that and will work with you to ensure your insurance needs are met so your business can grow with security.

Do Employers Ever Offer Life Insurance?

Life insurance is something that everyone can benefit from but that not all people have access to. That being said, in some cases your employer may offer some sort of life insurance policy as an incentive or as part of your insurance package. For the most part, your employer is only going to offer basic health insurance, and they are only required by law to provide health insurance if they have a certain number of employees. For those in the Suwanee, GA area, the agents with Insurance Pro Group, Inc. can help you better understand any life insurance coverage that your employer may offer.

So why do some employers offer life insurance while others do not?

The simple answer is that not all employers have the opportunity to offer life insurance at a price that would be reasonable for them to pay. Similarly, not all employers want to purchase life insurance plans for employees. If your employer does not offer life insurance, there are some options that you have to get a great policy. You can always go to an insurance agent and purchase your life insurance policy with the specifics that you are interested in. Life insurance is highly beneficial for all those that hold it.

For those that do have a policy, you can borrow against it if you need money, you can collect on it if you are injured in many cases, and you can also help your family deal with any financial struggles should you pass. Life insurance is something that everyone should consider and taking the time to look at a few different options with the help of an agent is the best way to get the policy that works for you. For those in the Suwanee, GA area, the agents with Insurance Pro Group, Inc. can help.

Your Start-Up Business Could Use Commercial Coverage

If you’re running a start-up business, you’ll need to secure adequate commercial insurance. Insurance Pro Group, Inc. is here to provide coverage, and we want you to know about the best options currently available for start-ups in Suwanee, GA. Among the many policy options out there, it can be difficult to figure out which type of insurance is the most beneficial. Check out these commercial policy options available for today’s entrepreneurs and start-up gurus.

General Liability Insurance

Regardless of how well-trained your start-up’s employees are, you’ll still be vulnerable to liability claims. Liability insurance will provide coverage for the many expenses which start-up owners eventually face. Don’t get wiped out by a settlement or lawsuit. Stay protected, legally, from the beginning.

Property Insurance

Even if your start-up has few property needs, you’ll still need to defend what property you currently own. Your start-up business does operate out of a physical location, and that physical location houses physical assets. Property insurance policies cover business buildings, inventory, equipment, and supplies. As a start-up owner, each of these items is vital to your future growth and success.

A Business Owner’s Policy

A business owner’s policy—often called a BOP—bundles commercial property insurance and general liability insurance together. It offers the best of both worlds. It’s also affordable. A single BOP policy can protect start-up owners against lawsuits, theft, fire, and more. Not all start-ups quality for a BOP, however. Check with your policy provider before considering this option.

If you have any additional questions, feel free to contact Insurance Pro Group, Inc. today. Serving Suwanee, GA, our team is dedicated to the area’s many start-ups. No matter the size of your business, you deserve protection. From bottom to top, the modern business is protected by comprehensive insurance policies. Reach out to our office to get a quote and more information.

Filing a Life Insurance Claim in the State of Georgia

Once a death certificate has been issued to someone who is listed on a life insurance policy, you can file a claim with the insurance company. And once it has been filed, they have 30 days to pay the death benefit. If they fail to do so, you’ll be able to collect interest on the amount until it has been paid.

What You Can Do If a Claim Has Been Denied

Once you file a life insurance claim, they can always deny it, and there may be many reasons why. Life insurance companies make their money off the paid premiums, and they survive by making sure that this amount exceeds what’s being paid out in claims. So, they carefully examine each one to make sure they don’t fall victim to someone who’s trying to commit fraud.

An insurance company may go out of business, but it doesn’t mean that you won’t get paid the death benefit. Every life insurance policy in the state is backed up by the Georgia Life and Health Guaranty Association, so you’ll get paid on a claim even if the insurance company goes out of business. But the guarantee is limited to $300,000 for each individual, even if the deceased had more than one policy.

A Professional Life Insurance Provider in Suwanee, GA

If you want to work with a life insurance provider that’s both experienced and professional, the Insurance Pro Group, Inc. in Suwanee, GA has a team of people that can help you find a policy that will make sure that your family is secure if you should ever pass away. We have expert agents who can assist you with all your insurance needs, and we can help you find a policy that you can afford. If you want to find out how we can help you, please contact the office of the Insurance Pro Group, Inc. today!

Types of businesses that would benefit from commercial insurance

Most business owners, in general, would benefit from having multiple commercial insurance plans backing them up. Keep in mind that most states will require you to have had a minimal amount of liability insurance to cover your employees. To get an idea of which commercial plans that your business will need, please consult with Insurance Pro Group, Inc. if you are in the Suwanee, GA area.


Since kitchens have flames, slippery floors, and lots of raw meat, you know that this sort of business can be on the edge of disaster. Having insurance policies to cover fire damage as well as employee or customer injuries should be essential.


There is a lot of hands-on work and heavy equipment involved, meaning that severe accidents may happen. Liability insurance is a must for accidents on the job or potential lawsuits. Bulk car insurance policies are also needed for all of the company’s vehicles that are being operated by employees.


Manufacturing may involve lots of heavy equipment, moving machines, conveyor belts, and sometimes volatile chemicals. Safety precautions are always taken, but disasters may happen, which may result in injuries or expensive damage done to equipment. Liability insurance for injuries, as well as product recall insurance, should be considered. Vehicles involved with the operation would also need to be covered by commercial auto insurance.

Keep in mind that you should only get the insurance policies that you need for your business to minimize the costs. If you are searching for reliable insurance bundles in Suwanee, GA, you may want to check out Insurance Pro Group, Inc. to get started.