Do all businesses benefit from commercial insurance?

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In the Surprise, AZ area, people continue to benefit from a strong local economy. A growing population base and a good economy also make this a great place to start a business. If you are in the market for a new business here, it would be a good idea for you to also think about your insurance needs. There are several reasons why businesses here can benefit from getting a commercial insurance policy.

Coverage Will Protect Assets and Investment

One way that a business will benefit from having commercial insurance is by getting coverage for their investment. When you start a business of any kind, you will have to invest to get it moving in the right direction. Losing these assets could be financially devastating. When you get a full commercial insurance policy, it can ensure that you have the insurance protection needed to replace your business assets if you incur a loss.

Liability Protection

Being sued for liability is a risk for all businesses. Not only are you at risk of losing money, but the cost of fighting a claim can be significant. Fortunately, you can mitigate all of these risks by getting appropriate insurance. With a liability commercial insurance policy, you can get direct protection against your liability risk. 

When you are shopping for commercial insurance in the Surprise, AZ area, you may find that choosing a policy is complicated. There could seem to be many different options and choosing the right policy for your organization is complicated. When you are looking for your next policy, it would be a good idea to call Giles & Iten Insurance. If you do call the team at Giles & Iten Insurance you will get personalized support that can help you understand your needs and options and pick a new policy.

3 Tips for Securing Your Home Before You Travel

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Do you plan on traveling soon? Are you worried about leaving your home unattended in Surprise, AZ? We understand. It can be stressful to go on vacation or out of town for business with your home left behind unoccupied. However, there are few things you can do to reduce the stress of leaving behind a vacant home. Read on to learn about three tips brought to you by Giles & Iten Insurance.

1. Install Outdoor Security Lighting

Did you know that burglars will pass on your home if the outside is flooded with light? That’s right. They’d rather break into a dark home so people won’t notice them. To deter would-be-burglars, shop around for some security lighting for the back, front, and side yards. You can opt to have the lights on a touch timer or opt to keep them on at all times when it’s dark. Either way, outdoor lights will scare thieves away.

2. Get a House Sitter

Before you leave on vacation, get a professional house sitter. The cost is affordable and well worth it. You search online for house sitters near you or ask around with friends and family. There’s bound to be someone who would love to watch your home while you’re away.

3. Alert Your Neighbors

It’s a good idea to alert your neighbors that you’ll be out of town. This way, they’ll be more apt to notice if something seems wrong. A neighbor or house sitter will be able to keep an eye on your property, collect your mail, and make sure you have a stress free vacation.

Even when applying the tips listed above, a break-in or other crisis could occur. For this reason, it’s important to have a home insurance policy in Surprise, AZ. To learn more about obtaining this and other policies, contact the friendly team at Giles & Iten Insurance. 

Do I need travel insurance and how much should I buy?

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Travelling comes with a lot of planning and expenses. From airfare to hotels and rental cars, it is easy to forget some essential things like travel insurance. Imagine you or a member of your family get seriously injured in an unknown area around Surprise, AZ. It is obvious that emergency medical treatment could be more expensive as it varies from one place to another. That is why at Giles & Iten Insurance, we recommend buying travel insurance to extend a layer of protection wherever you go.

When should I buy travel insurance?

Travel insurance is not mandatory in Utah. However, that doesn’t mean you don’t need one. Expensive and lengthy trips may require you to purchase insurance, especially when it comes to non-refundable services and products. That means small distance travels like visiting your grandmother up the hill does not need insurance. Travel insurance is pretty flexible and easy to navigate. The comprehensive package even comes with ‘ cancel for any reason’ coverage. This helps you safeguard your finances in case you want to cancel your trip.

What type of travel insurance can you buy?

Travel insurance is a versatile policy that comes with a wide range of policies to choose from. However, it is always prudent to know your needs before picking any type of travel insurance. You will want to consider factors such as:

  • Where you’re going
  • The kind of trip you will be taking
  • The duration of the trip
  • Your age and medical condition
  • The sort of activities you will take part in your trip 
  • The people going with you

Whether it is a straightforward trip or a tour that is full of unknowns, there will always be a policy designed to fit your needs. If you have a medical condition or are pregnant, be sure to check whether your condition is covered before you buy it. You may need to buy a separate policy to cater to these needs.

For more information about travel insurance in Surprise, AZ, talk to our insurance experts at Giles & Iten Insurance today.

Exploring The Benefits Of Mexican Insurance

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Based in Surprise, AZ, Giles & Iten insurance offers the community multiple types of insurance policies. We understand that each of our clients has a unique situation and different circumstances. That’s why we work hard to ensure that our clients find coverage that directly suits their needs.

Mexican Insurance

It’s a very short drive from Arizona to Mexico. As you head South of the border, it is important that you have coverage. Mexican insurance protects you as you travel into the country. Some of the traffic laws in Mexico are different compared to the United States. Your vehicle will be protected in the event that it is vandalized or stolen.

Make sure that you research different liability coverage options before heading to Mexico. In the event that you are involved in an accident while you are in Mexico, it is imperative that you have coverage to protect you. Keep in mind that the driving laws in Mexico are different compared to the United States, as Mexico uses the Napoleonic code instead of English Common Law.

The length of your stay is also an important variable to consider. If you are planning a lengthy stay in Mexico, make sure that your policy protects you. In most cases, you may only have coverage for a specific number of days while you are staying in Mexico. Check your policy to see if there any mileage restrictions as well. In some cases, your policy may outline a specific number of miles that you can travel while you are in Mexico. You can amend your policy based on the type of vehicle that you are driving.

Consult With Giles & Iten Insurance 

If you are in the process of planning a trip from Surprise, AZ to Mexico, please visit our website to learn more information about Mexican Insurance.

An Overview To Help Arizona Residents Find Classic Car Insurance

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Based in Surprise, AZ, Giles & Iten Insurance assists the community through helping them find the insurance coverage that they need. We recognize that every single client is different, that’s why we take the time to consult with all of our clients so that they can find the right policy.

Classic Car Insurance

Classic cars are valuable possessions. Due to their unique stature, they require different coverage from traditional vehicles. Classic cars are often recognized as vehicles with significant historical interest. They are often more than 20 years old. Classic cars spend the majority of their time in storage. Owners only show them off at special car events, conventions, and parades. As such, classic cars are only used on a limited basis. That is an important thing to consider as you research different policies. Driving a classic car on a regular basis causes the value to depreciate, which impacts your policy. The car must also undergo a periodic inspection to make sure that it is still in good condition. Make sure that you keep your vehicle stored in a secure area.  

Liability, comprehensive, and collision coverage is still available as if you had a traditional auto insurance policy. The important thing is to make sure that you do not drive the car over the specified mileage limit. The mileage limit is to ensure that the vehicle is only used on special occasions.

If your classic car needs assistance, be sure to find a place that understands that classic cars require different maintenance from other cars. Try to find a repair shop that specializes in treating classic cars.

Giles & Iten Insurance Will Guide You Through The Process

Stop by our office in Surprise, AZ and we will work with you to find the right coverage for your prized possession.

When does someone in Arizona need RV insurance?

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Those that are in the Surprise, AZ area will enjoy having access to all of the great recreational options in the southwest United States. To enjoy all of these options, you should consider getting an RV. When you have an RV, it is beneficial to work with an experienced agent to find coverage.

When Taking Out a Loan

One situation when you are going to need to get an RV insurance policy is when you intend to take out a loan. Buying an RV is a big purchase, and most purchasers will take out financing to acquire it. This can be a great way to afford an RV, but there are rules and regulations in the loan agreement that you need to follow. Most of the time, your lender will require that you get a full collision and comprehensive insurance policy. 

When Using a Public Roadway

Another situation when you may need to get an RV insurance policy is when you intend to use a public roadway. People in Arizona that want to operate any type of vehicle are going to be obligated by law to carry liability insurance. This includes those that drive an RV. If you are going to use it in Arizona, you will need to have at least the minimum amount of liability coverage for both property damage and bodily injury.

Choosing an RV insurance policy is always a big decision, and not one that should be taken lightly. If you are going to purchase an RV, you should speak with the team at Giles & Iten Insurance to discuss your insurance needs. The team at Giles & Iten Insurance can help people all over the Surprise, AZ area picks insurance policies that are right for their situation. 

Arizona Umbrella Insurance Coverage

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The last thing you want to have happened in the aftermath of an accident, natural disaster, or injury is finding out that that damage is “not covered” under your existing insurance plan.  In other words, for residents of Surprise, AZ, getting a surprise when it comes to your insurance coverage is a revelation that you could probably do without.  The reality is, however, some items that you might want to insure would be better covered under an umbrella policy, and the knowledgeable, licensed agents at Giles & Iten Insurance are available to find reliable insurance coverage for your unique situation.

Umbrella Insurance for Arizona

As the name might suggest, umbrella coverage is designed to provide overarching insurance protection to protect you and your property against the unexpected raindrops that life can sometimes throw our way.  Any accident leaves a trail of damage in its wake, and not all life insurance policies are written or equipped to cover the entire damage amount or include accidental mishaps, including things like landlord liability, bodily injury, or extensive property damage for instance.

Lacking an umbrella policy to cover these unexpected liabilities can place your family in financial peril in the blink of an eye.  Sitting down and speaking with a licensed agent from Giles & Iten Insurance, serving the Surprise, AZ community, is the beginning of a better understanding of the protection you have and the areas where you are still vulnerable.

An umbrella insurance policy might just be what you need to ensure that all of your assets are fully protected.

Contact Our Team at Giles & Iten Insurance

For Surprise, AZ residents looking for an honest appraisal and recommendation regarding their current insurance needs, our agents at Giles & Iten Insurance are standing by with the information you need to decide whether or not an umbrella insurance plan will provide you the protection you need to protect against financial calamity should the worst occur.

Is Whole Life For Children A Good Choice?

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Life insurance is a type of coverage that can not only help loved ones after a covered death, but it can also help with unexpected issues or future expenses. The type of insurance that can offer these options is whole life. Whole life allows the policyholder to build cash value against the policy as they make payments over time. This type of whole life is also available for children, but many may wonder if it is a good idea to get this type of coverage. 

Life Insurance For Children

Whole life insurance policies for children have become quite popular over the decades. Those who choose this type of coverage can use the policy to help pay for the child’s future expenses when they are older. Many use it for college or even emergencies. Although this type of coverage may not be for everyone, it may be useful for family members to purchase to protect against unfortunate covered events and to help plan for the child’s future. 

Get the Right Policy

The best way to get the right type of life insurance coverage is to work with a licensed life insurance agent. Life insurance agents are experts in helping clients learn more about the policy and educate them about the terms and conditions. This is an excellent tool for many to use for financial planning and protection. Anyone who is considering buying a child a life insurance policy in the Surprise, AZ area should consult with an agent from Giles & Iten Insurance to get started preparing for the future. 

Life insurance can be an extra layer of protection and even a financial resource in the future. Get the right policy and learn more about this type of coverage by calling or stopping by Giles & Iten Insurance today if you live around Surprise, AZ. 

How much auto insurance do I need in Arizona?

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The state of Arizona requires drivers to carry auto insurance every time they’re on the road. Your car should meet the set minimum requirements if your vehicle is involved in an accident. There are many considerations that insurance companies like Giles & Iten Insurance make to determine how much auto insurance one needs. The type of car, cost, age of the vehicle, level of experience, and mode of car purchase are some of the factors that determine what you will pay.

Arizona uses the fault-based system

The state of Arizona does things a bit differently, particularly when it comes to financial responsibility. This means that whoever is at fault in an accident is responsible for any damage or harm that will result from the accident, such as car damage, lost income, injuries, or property damage. If involved in an accident in Surprise, AZ, you can proceed to file a claim with their insurance company or a lawsuit in a civil court.

Liability insurance law is mandatory

The state requires drivers to have liability coverage that will cover for total bodily injury or death and property damage where the driver of the insured vehicle is at fault. In a case where one of your family members is driving your car, liability coverage can help pay medical bills for the injured member. However, keep in mind that liability coverage does not cover you in any way. If you are involved in an accident where you are at fault, you may need to purchase additional coverage for that.

Finally, it is crucial to note that there exist penalties for drivers without mandatory auto insurance. Therefore, carry proper auto insurance proof and show it to the relevant authorities when stopped or when involved in an accident. To learn how to protect yourself on the roads adequately with auto insurance, visit us at Giles & Iten Insurance in Surprise, AZ today!

Do E-Commerce Businesses Need Commercial Insurance?

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If you are considering opening an e-commerce store, you probably have thought about insurance and what type works best for your situation. Commercial insurance is also crucial for an e-commerce business to have to protect them from risk, but working with an insurance agent can help identify the types of policies that work for an online company.

Thinking About Starting an E-Commerce Business?

One of the key ways to protect an online business is to have adequate insurance designed to protect yourself from a variety of unique threats these types of business endeavors face. There are unique commercial insurance policies that are tailored made to offer this type of coverage. The best way to find an ideal policy is to work with an experienced insurance agent who can provide helpful advice and common sense insurance solutions. 

Insider Know-How

The insurance agents at Giles & Iten Insurance, serving Surprise AZ, have insider knowledge of the industry and can identify insurance products that work for your specific needs. Our agents are committed to helping clients get the coverage that protects them from loss and gives them peace of mind in an e-commerce setting. Not only can they assist with the insurance policy selection, but they can also help with filing claims in the future. It is a smart way to find commercial insurance that can give you comprehensive coverage.

Don’t guess when it comes to finding commercial insurance for an e-commerce business situation. Call or stop by Giles & Iten Insurance in Surprise, AZ. The resident of Arizona and California can count of their agents to steer them in the right direction and answer all fo their questions.