It's Not A Commercial, But It's About Commercial

Commercial Insurance refers (at the risk of being obvious) to insurance for businesses. Generally, there are two kinds of commercial insurance: liability, and workers' compensation.

If you own or manage a business, you clearly need these coverages (the workers' compensation only if you employ 1 or more people).

The bad news in commercial insurance is that your premium may be going up. If you're insured by SCF (formerly State Compensation Fund), this is specifically the case. That's because the company, originally owned by the State of Arizona (and in each state where SCF has been, the state has usually owned the company)is being "privatized." In other words, it's no longer going to be state-owned and has to start earning a profit to succeed.

In order to do that, they're raising premiums.

The good news is that other companies are trying to acquire market share at SCF's expense. And if you're due to renew your workers' compensation insurance, you should let us quote you on both workers' comp and your liability coverage.

If you're not about to approach renewal time, you don't want to switch workers' comp coverage, since - even assuming that Farmers or another company could save you a fortune - in the long run it could be more costly to switch.

BUT you can switch your liability coverage any time.

So give me a call, let us take some info to run a quote, and if we can save you money, that would be worth it, right? Right. If we can't we won't bother you further.

OK, maybe we told a little white one. It's about commercial, but maybe it was a little bit of a commercial, too. Hopefully, you also found it informative and useful. You can reach us at 602-466-2636 (Office); and, 480-628-9786 (Cell)