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Southern Insurance Associates Blog

All You Ever Wanted to Know About Insurance

Will My Insurance Pay for a Loss In My Car's Value if it Is Damaged In a Collision?

Diminished Value Explained What Is Diminished Value? - After a vehicle has been involved in a major accident and has been repaired, depending on its age and condition, the resale value may be less than if it had not...

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Fantazia Circus in La Fayette, Sunday Oct 5 @ 3pm

This Sunday, October 5th at 3:00pm the Fantazia Circus will be at Lafayette Municipal Park Recreation Center. Adult admission $15 per person, for more information seewww.discoverfantazia.com

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2014-Scare on the Square

Scare on the Square is sponsored by the Bank of Lafayette, and the City of Lafayette Main Street/ Downtown Development Authority board. Local business owners come out on Halloween and give out candy to all the children...

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Do I Need Rental Car Insurance?

Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly...

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What Is Gap Insurance?

When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within one year. Standard auto insurance policies...

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October is Breast Cancer Awareness Month

October is Breast Cancer Awareness Month, which is an annual campaign to increase awareness of the disease. While most people are aware of breast cancer, many forget to take the steps to have a plan to detect the...

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Insuring a Leased Car

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these...

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Directors & Officers Coverage

Directors and Officers Liability Insurance protects directors and officers of corporations or not-for-profit organizations if there is a lawsuit claiming they managed the business or organization without proper regard...

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Home-Based Businesses

Slightly more than half of U.S. businesses - 51.6 percent - were home-based, according to the 2007 Survey of Business Owners (SBO), conducted by the U.S. Census. Only 6.9 percent of these home-based respondent...

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Small Business Workshops

The IRS sponsors many workshops and events for small business owners. Find one in your state here: http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Small-Business-Tax-Workshops-and-Webinars

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Fire Prevention Week!

Second week in October is Fire Prevention Week! This year's Fire Prevention Week theme is "Working Smoke Alarms Save Lives: Test Yours Every Month". Fire Prevention Week is an annual campaign sponsored by the National...

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Nonprofit Organizations and Insurance

Like a business or a homeowner, a nonprofit organization needs to protect its property from loss from a fire, by theft and from many other hazards. Nonprofits can be lawsuit targets as well. Without insurance, a lawsuit...

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Fall Back! Sunday, Nov 2

Don't forget to set your clocks back 1 hour! Sunday November 2, 2014

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SIA adds AmTrust as another option!

Southern Insurance Associates is happy to announce another insurance company option for our clients; AmTrust Insurance. AmTrust North America provides workers' compensation and commercial package insurance to a wide...

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Business Offices-What do I need?

An office is the primary or only premises for numerous types of small businesses, including, for example, employment, travel, collection, insurance, advertising and other agencies. Electronic equipment and data are...

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Life Insurance For Key Employees

Who Is a Key Employee? - A key employee is someone whose knowledge and skills contribute significantly to your business income. Losing a key employee would most likely cause substantial negative financial consequences...

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Can I insure the life of a key employee?

The loss of a key person can be a major blow to a small business if that person is the key contact for customers and suppliers and the management of the business. Loss of the key person may also make the running of the...

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The 4 things homeowners misunderstand about flood insurance

1. "I don't have to worry about flooding because I don't live near a body of water." Although homeowners in Arizona may have thought the same thing, they were struck with historical flooding this summer. The Arizona...

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Avoid these five “start-up” mistakes when starting your business:

Nobody said starting a brand new business from the ground up would be easy. Seasoned and novice entrepreneurs alike will be all-too aware of the eventuality of encountering obstacles and pitfalls whilst both setting up...

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Lightning Coverage and Safety

Damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of...

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Lightning Safety: Myths vs. Facts

With 1,800 thunderstorms in progress at any given time on Earth, it's important to be able to sort out the myths from the facts when it comes to lightning safety. And keep in mind that the best lightning safety plan of...

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Do I need to insure my household help?

If you hire household help, you will need to get the appropriate insurance coverage. The type of coverage depends on the nature of the employee's position. Contracting with an outside firm - If you need a nurse,...

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How can I build and maintain a good credit history?

Your proven ability to manage your money and meet your financial obligations is the basis of your credit score. The best way to build a solid credit score is to make a habit of always paying your bills on time in full...

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How do I pick an insurance company?

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing Not every company is licensed to operate in each...

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Five Insurance Mistakes to Avoid? And Still Save Money

We are all concerned with saving money and it is important to shop around when looking for insurance coverage. However, simply reducing your coverage or dropping important coverages altogether can leave you dangerously...

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How often should I review my policy?

There are four events that should trigger a review of your policy: 1. When your policy comes up for renewal Don't just automatically send a check to your insurance company. Take the time to review your coverage and call...

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Ten Questions to Help You Assess Changes to Your Insurance Needs

Family, Home, Career Status Should Be Reflected In Your Policy Coverage Our insurance needs change as circumstances in our lives change, which is why we recommend doing an annual insurance review. When you're reviewing...

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I'm installing a pool-what kind of insurance do I need?

Pools and Insurance - All pools-from a simple above-ground kiddy pool to an aquatic extravaganza-can be dangerous and need to be properly insured and comply with local safety standards. According to the Center for...

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Can I own a home without homeowners insurance?

Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners...

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Are there different types of policies?

Yes. A person who owns his or her home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided. The different types of homeowners policies are fairly...

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5 Tips for Organizing Your Home for the New School Year

Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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Home Buyers Insurance Checklist

Shopping for your dream house? There are many considerations when looking at real estate, such as property taxes, school district, available recreational opportunities in the neighborhood, to name a few. But an...

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What's the difference between cancellation and nonrenewal?

There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except when: You fail to...

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Understanding Your Insurance Deductible

Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy. A deductible is basically the amount "deducted" from an insured loss....

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What Type of Insurance Do I Need If I?m Renting Out My Home?

There are many reasons why you might want to rent out your home on either a short- or long-term basis. Whether you own a second home that you plan to lease to a tenant, or want to rent out a room in your house...

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