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Why Life Insurance For Business Owners Is Vital

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Safeguarding your business’s future is crucial to keeping your business running. Unexpected events can have a significant impact on a business’s stability. Life insurance plays a vital role in protecting your business’s assets. With our help at Rob Hill Insurance Group, serving the greater Atlanta, GA community, you can create a policy that aligns with your business’s obligations.  

Protecting Your Business’s Financial Future With Life Insurance

Business owners and entrepreneurs face multiple financial risks, and losing a key business partner or employee can leave a business vulnerable. Life insurance is a unique tool that helps manage a business’s financial stake in these challenges. Life insurance provides liquidity during challenging times to ensure your company has the funds to cover immediate expenses and maintain stability.

With proper protection, a company may be able to handle financial obligations, repay debts, or support operations. 

Suppose it causes a significant impact on a business, such as a death of a key employee or business partner. In that case, life insurance can cover financial obligations, repay debts, and facilitate business continuity. Life insurance can also provide funds to fill gaps left by the business partner or employee’s absence. 

When considering a life insurance policy for your business, carefully evaluate coverage options based on your business’s needs, including financial obligations and losing a key employee or partner—factors to consider are business debts, ongoing expenses, and the need for buy-sell agreements. Reviewing your policy is essential to ensure adequate coverage as your business evolves. 

We Are Here To Help

Safeguarding a business’s financial future is essential. Life insurance plays a vital role in protecting a business in unexpected situations. With our expertise at Rob Hill Insurance Group, you can make informed decisions about your business’s coverage options in Atlanta, GA. Don’t risk your business’s future—take proactive steps today to secure its stability with life insurance. 

Tips to prepare your house for a storm

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The storm season is here in the Atlanta GA area, and it’s essential to be prepared. To make sure your house is ready for the worst Mother Nature can throw at it, follow these simple tips from us at Rob Hill Insurance Group. 

Tips to prepare your house for a storm

1. Trim trees and shrubs

Ensure all foliage surrounding your property is trimmed back so branches won’t break off during a storm and cause damage to your home or nearby structures. Make sure you’re staying within your local municipality’s safety regulations when trimming back vegetation on your property.

2. Check and maintain seals around windows and doors

If there are any gaps or weak spots in the seal around windows and doors, they should be filled with caulk to prevent water from entering your home during a storm.

3. Secure outdoor furniture and items

Anything that could potentially become airborne during a strong wind gust, like lawn chairs or planters, should be tied down or stored away so they don’t fly into other structures or cause injury to someone nearby. 

4. Clean out gutters and downspouts of debris

Debris in gutters can stop water from properly flowing away from the house and lead to flooding, so clear out dirt, leaves, and other objects from gutters before a storm hits to avoid any potential issues. 

5. Have an emergency kit handy

Every household should have an emergency kit readily available just in case of power outages or other disruptions caused by storms – items such as flashlights, non-perishable food items, first aid supplies, and batteries should all be included in the kit so you’ll have what you need if things take a turn for the worse! 

Reach Out To Us

For more tips, give us at Rob Hill Insurance Group a call. We are proud to serve the Atlanta, GA area.

Things to Consider When Buying Auto Insurance

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Auto insurance is required in Georgia. However, there are some things to consider when choosing the right policy for your needs. At Rob Hill Insurance Group in Atlanta, GA, we work with our clients to provide the best policy for them. 

Choosing the Right Types of Coverage 

Liability insurance is required for all vehicles in Georgia. However, you may also be required to have full coverage insurance if you have a lien on your car. 

Even if you aren’t required to have a full coverage policy, it can be a good idea. Can you afford to replace your vehicle if it’s totaled in an accident? If the answer is no, consider a full-coverage auto policy. 

You may also need gap coverage if you have a newer vehicle. Gap coverage will cover the difference between the lien on your vehicle and the value the insurance company will pay for the vehicle if it’s totaled. 

Choosing the Right Amount of Coverage

In addition to the right types of coverage, you need the right amount of coverage. Georgia requires you to have $25,000 in bodily injury liability and $25,000 in property damage liability. 

However, insurance experts typically recommend that you have $300,000 in bodily injury liability and $100,000 in property damage liability. 

You’ll need to consider how much car insurance you can afford, as well as the assets that you want to protect. Keep in mind that wages can be garnished if there’s a settlement against you that is more than your insurance coverage limits. 

If you have comprehensive coverage, make sure that your collision policy will cover the value of your vehicle. 

We Would Love To Help!

If you need auto insurance in Atlanta, GA, contact us at Rob Hill Insurance Group. Our friendly agents will help you select the right policy for you. 

Four common myths about life insurance

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Life insurance is a type of insurance that you really need to have if you want to protect your family financially. At Rob Hill Insurance Group, we sell life insurance policies to consumers who are located in Atlanta, GA. 

Here are four common myths about life insurance that you should be aware of.

Being aware of these myths can help you to make the right choices about life insurance:

Those who are healthy and young don’t need life insurance

Even healthy young people can die unexpectedly, leaving their dependents in a difficult financial situation. Neglecting to purchase life insurance because you think you don’t need it thanks to your health could turn out to be a big mistake. 

Those who don’t have a family don’t need life insurance

Life insurance isn’t just for protecting your dependents financially. Life insurance is also important for covering your end-of-life expenses. 

Even if you don’t have any dependents, it’s still a good idea to purchase life insurance so that your family can use funds from your policy to cover your funeral and burial costs if you pass away. 

You have to die for anyone to benefit from your life insurance policy

Certain types of life insurance like whole life insurance have a savings component that assist you with financial planning. These policies may allow you to borrow against your policy’s value. Such policies benefit you even while you’re still alive. 

Getting life insurance is complicated.

You’ll be surprised by how simple it is to purchase life insurance. You shouldn’t be discouraged from buying life insurance because you feel overwhelmed by the complexity of this financial product. 

Give Us A Call

Are you in the market for life insurance in Atlanta, GA? We’re here to help. Call us at Rob Hill Insurance Group today so that you can learn about our policies and get a life insurance policy quote. 

How to Prepare Your Home For Rainy Spring Weather

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Winter is coming to an end, and spring is quickly approaching. Now is the ideal time to complete tasks around your home to repair any damage caused by winter weather and to help prepare your home for the rain that comes along with the spring season. Here at Rob Hill Insurance Group, providing insurance products in the greater Atlanta, GA area, we want to help you maintain and care for your home.

Here are a few different things you should do to get your home ready for spring:

Have Your Roof Inspected

One of the best things you can do to prepare your home for rainy weather is to have your roof inspected. If your roof has sustained any damage, water can seep in and cause a leak in your home. This can lead to massive problems. Having your roof inspected by a professional helps to prevent this problem. 

Clean Your Concrete and Asphalt Surfaces

Another way to prepare your home for rainy spring weather is to have your concrete and asphalt surfaces pressure washed. When it rains, concrete driveways or asphalt walkways can become slippery, especially if any auto fluids leaked onto them or if algae, moss, or mildew are growing on them. Having them cleaned helps to prevent slip and fall incidents from occurring on your property. 

Repair Any Damage to Your Home’s Siding

Lastly, you should always examine the siding on your home and repair any damage that may be present. Just like with your roof, water from rain can seep through damaged siding. This can damage your building materials and electrical wiring. 

Reach Out To Us

Properly caring for and maintaining your home helps to minimize damage to your home and protect the value of your home. Having the right home insurance can also help to protect the investment you have made in your home. If you are searching for a new home insurance policy, let the team at Rob Hill Insurance Group, serving the Atlanta, GA region, help you. Call us now. 

What To Do After a Car Accident

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Millions of car accidents occur each year. Sadly, people often end up injured or even killed. Taking the right steps after an accident is crucial and could save lives. Auto insurance could prove essential, but there are also some steps you need to take right after an accident. Rob Hill Insurance Group, serving the greater Atlanta, GA area, is here to assist with all related concerns. 

Take These Steps After an Accident

First, it’s wise to call 911 immediately. If someone in your vehicle or another vehicle is injured, seconds count. The quicker emergency medical providers are contacted, the quicker they’ll arrive.

After alerting authorities, check for any injuries. Start by examining your own body, looking for bleeding or broken bones. After checking yourself over, check on passengers. Besides looking for obvious signs of an injury (e.g. blood), ask if they are in pain. If you have a first aid kit in your vehicle, now is the time to bust it out.

Typically, it’s best to wait for authorities to arrive before moving anyone who’s been injured. If someone is hurt, moving them could exacerbate injuries. If you’re in good shape and are not noticing any injuries, you may want to check on the other vehicle and also let them know that help is on the way.

If you have reflectors or road flares, it’s best to deploy them, especially at night. This way, other drivers will see the accident scene and will hopefully avoid it. Emergency responders may also have an easier time finding you.

When to Contact Your Insurance Company

After contacting authorities and checking for injuries and hazards, it’s smart to contact your auto insurance provider. This provider can offer tips and let you know what type of paperwork you may need to obtain from the police.

The right steps after an accident could reduce the risk of getting sued or being blamed for the accident.

Give Us A Call

Contact the Rob Hill Insurance Group, serving Atlanta, GA and beyond, to discuss insurance coverage options for your vehicles.

Three things you might not be aware of when it comes to life insurance

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Being informed about life insurance is important. The more informed you are, the better your decisions for yourself and your family will be when it comes to choosing the right life insurance policy. Rob Hill Insurance Group, serving the greater Atlanta, GA is happy to help build your awareness around this vital coverage. 

The following are three things that you might not yet be aware of when it comes to life insurance:

You can borrow against the value of some types of life insurance policy

Cash loans are one possible feature of certain whole or universal life insurance policies. If your life insurance policy has a cash value component, you may be able to withdraw funds from your policy. This really comes in handy when you have some extra expenses that come up. 

A policyholder may be expected to repay money that is borrowed from his or her policy. Alternatively, the borrowed funds can simply be taken out of the death benefit of the policy if the policyholder passes away. 

You may be able to take out life insurance without a medical exam

Many life insurance providers require customers to take a  medical exam before they can take out a policy. However, medical exams are not always necessary. 

If you are worried that you will be refused life insurance coverage because of a medical condition, you should look into the possibility of taking out a no-medical exam life insurance policy. 

The beneficiaries of a life insurance policy don’t have to pay taxes on a death benefit

Beneficiaries on a life insurance policy receive the death benefit amount if the policyholder passes away. Fortunately, beneficiaries don’t need to pay any taxes on the death benefit. Beneficiaries can use the full death benefit amount for any expenses that they choose. 

Contact Us Today

Get in touch with us at Rob Hill Insurance Group if you have questions about life insurance. We can offer life insurance policy quotes to consumers in Atlanta, GA. Call or email us to learn more. 

How to Keep Your Concrete Surfaces Free of Debris to Prevent Slip and Fall Accidents

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One of the things that home insurance does is help to cover you in case someone is injured on your property and files a personal injury case against you. However, there are steps you can take to minimize the chances of it happening. Here at Rob Hill Insurance Group, providing home insurance in the greater Atlanta, GA area, we want to provide you with tips that can help you keep your concrete surfaces free of debris to help prevent slip and fall accidents.

Keep reading to learn more about these tips:

Get Your Trees Trimmed Regularly

One of the best ways to reduce the amount of debris on your concrete surfaces is to regularly have your trees trimmed. This helps to minimize leaves, sticks, and other debris that can become a tripping hazard. 

Take the Time to Sweep Away Debris

Another thing that you should do is to take the time to regularly sweep debris from your concrete surfaces. Use a push broom to remove leaves, rocks, and other hazards that may make your walkways and surfaces unsafe. 

Inspect Your Concrete Surfaces

Finally, take the time to inspect your concrete surfaces at least once a month. If you see algae growing, remove the algae to prevent someone from slipping. If you notice your concrete is raised, hire a concrete professional to level out your concrete to prevent someone from tripping. 

Contact Us Today

Your concrete surfaces, such as walkways, driveways, and patios, can be a trip-and-fall hazard, but there are things you can do to help keep your concrete surfaces safe. If the unexpected does happen, you want to have the right home insurance policy to cover you. Here at Rob Hill Insurance Group, serving the greater Atlanta, GA area, our team can help you with all of your home insurance needs. Reach out to us to get started. 

Common Auto Insurance Exclusions

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Your car insurance is a powerful investment, but it doesn’t cover all possible risks. And just as it is good to know what your car insurance covers, it’s equally important to understand what it doesn’t cover. This makes your claim filing process easier and helps you understand add-ons you can consider for your car insurance.

Want to find out what’s not covered by your car insurance? Rob Hill Insurance Group in Atlanta, GA can help you navigate this important coverage. 

Here are some common car insurance exclusions:

Excluded driver

Your insurance company could add this clause to your policy if you live with a high-risk driver. Accidents caused by excluded drivers are unlikely to be covered.

Intentional acts

Another reason why your insurer will wave away your claim is if you intentionally cause harm to someone or damage someone’s property, your car insurance won’t cover the loss. For such losses, you will have to cover them from your pocket.

Mechanical breakdown

If your vehicle breaks down because of maintenance issues, don’t expect your insurer to pay for repairs. So if your transmission or engine misbehaves, be ready to cover the repairs from your pocket.

Special events

If you use your car in race or stunt events, your standard car insurance will likely void claims resulting from these events. However, you can purchase special coverage to cover you at such events.

Catastrophe exclusions

Extreme natural disasters like earthquakes and floods are typically excluded from your car insurance, although it differs between policies and insurance companies. Always read the fine print of your policy or consult with your insurance agent to know what is covered or excluded from your policy.

Get Auto Insurance Today

Have more questions about your car insurance? We understand car insurance can be confusing. Please get in touch with Rob Hill Insurance Group in Atlanta, GA to have all your car insurance queries answered.

Should I Get Life Insurance Through My Employer?

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Rob Hill Insurance Group in Atlanta, GA wants to ensure that you have all the information you need to make the best decision for you and your family. Employer-sponsored life insurance can be a great option for some, but it’s not right for everyone.

Here are some things to consider when making your decision:

Ease of Use

One of the benefits of getting life insurance through your employer is that it’s often a very easy process. You can typically sign up for coverage during your annual open enrollment period and don’t have to go through the hassle of a medical exam or answering health questions. Coverage is usually effective the first day of the month following your enrollment.

Coverage Amounts

Another thing to consider is the amount of coverage you need. Employer-sponsored life insurance typically provides coverage in the $50,000 to $250,000 range. If you have significant debt or other financial obligations, this may not be enough coverage. You may need to supplement your employer-sponsored life insurance with an individual policy to ensure your loved ones are taken care of financially if something happens to you.         

Portability

If you leave your job, you will usually lose your employer-sponsored life insurance coverage unless you convert it to an individual policy within a certain time frame (typically 30 to 90 days). With an individual policy, you own the policy and can keep it even if you change jobs or retire. However, converting a group life insurance policy to an individual policy can be expensive, so it’s important to compare costs before deciding what to do.

Contact Us Today                 

There are a lot of things to consider when deciding whether or not to get life insurance through your employer. The ease of use and guaranteed coverage amounts can be appealing, but it’s important to ensure that the coverage amount is enough and that you understand the conversion process if you decide to leave your job. Be sure to compare costs before making a decision to find the best option for you and your family. Contact Rob Hill Insurance Group in Atlanta, GA for your insurance needs.

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