If you have a home-based business, you might not need the same type of insurance as someone who has a business outside of the home. However, it’s not a good idea to assume that’s the case. Instead, you want to ensure you’re protecting yourself and your business correctly. For anyone in the Pomona, CA area, that means contacting THINK Insurance & Financial Services to talk about whether you need a commercial insurance policy.

Types of Home Business

There are two main types of businesses based out of the home, and they’re divided by whether they have customers that come to them. If you let customers into your home, it’s a good idea to ensure you have adequate protection in case one of them gets injured. Having a commercial policy can give you that protection since you don’t want to rely on your standard home insurance if you’re operating a business.

Many people operate online or service-based businesses from their homes that don’t require in-person interactions there. If that’s the kind of company you have, especially if you’re a sole proprietor and don’t have employees, it’s likely not necessary for you to have a commercial policy. There isn’t any equipment or product to protect, and you don’t have employees or customers entering your space.

Before you make a definite decision on your insurance needs, though, get in touch with us today at THINK Insurance & Financial Services. We’re here to help Pomona, CA residents get the right help and support for all their commercial insurance needs. Our trusted agents can answer your questions and help you decide whether you need a policy. If you do, we’ll work with you to find the best one for peace of mind.

If you reside in the Pomona, CA area, you will want to know that you are always appropriately insured for the future. A type of insurance that will guarantee this type of safety is life insurance. There are many reasons why everyone needs to consider getting a proper life insurance plan and will want to maintain it moving forward. 

Offer Financial Support and Protection to Others

It would help if you always looked out for others, particularly your dependents and those you care about. One of the best ways you can do this is by investing in a life insurance plan. When you have a full life insurance policy, you can build it to ensure your dependents have the financial resources they need to live the life they are accustomed to. You can also build a plan that will include financial resources that can be used to cover your end-of-life costs or other obligations. 

Have an Investment Alternative

A life insurance plan can also be used to improve your personal financial and investment plan. Whole life insurance is a unique form of coverage, offering life insurance support and can help you build equity. Over the years, as you make monthly payments, some of your payments will go into an account and build in value. You can convert This liquid asset to cash or use it to post as collateral for other purposes. 

Those living in the Pomona, CA, area must be adequately covered with a life insurance plan. There are a lot of choices to make when looking for this insurance, and our team at THINK Insurance & Financial Services can help. You will get personalized support to build a proper plan when you call us at THINK Insurance & Financial Services. 

When people around you depend on you, you need to be able to leave them something when you’re gone. You can do this by getting your own life insurance policy. It’s essential for your family to have this type of financial protection. If you don’t have any life insurance or want more, you can contact us at THINK Insurance & Financial Services in Pomona, CA. 

Term Life Insurance

This type is perfect for people on a budget. It is the least expensive of the two main types. This allows many people to get a life insurance policy they wouldn’t otherwise be able to afford. When you have term life insurance, it’s good for several years. That set number of years is called the term. Once the term has ended, you’ll no longer have this insurance. You’ll have to get a different policy to be covered again. Some people don’t like that the policy expires, but many appreciate the smaller price tag. 

Whole Life Insurance

If you have more to spend, there is a whole life. With this type of life insurance, there is no expiration date. The policy will remain in place if you keep making the payments for it. When you continue to pay your premiums, the insurance company can’t cancel the policy. This life insurance type also has financial protection built in. The policy slowly starts to build its own cash value. Generally, it takes a few years for this amount to build up. Once there is that cash value, the policyholder can borrow that amount if they ever need to. 

Get Life Insurance

No matter which type of life insurance you want, we can help. Call us at THINK Insurance & Financial Services in Pomona, CA.

If you ride a motorcycle in Pomona, CA, you need to invest in motorcycle insurance. At THINK Insurance & Financial Services, we insure motorcycle owners.

Carrying a motorcycle insurance policy can allow you to avoid various problems as a biker. You can avoid the following four problems thanks to your motorcycle insurance policy.

Facing a lawsuit after a motorcycle accident

Unfortunately, motorcycle riders sometimes get sued after they are involved in an accident. This can happen when a motorcyclist is held liable for accident damages.

The liability coverage of your motorcycle insurance policy covers any lawsuit costs up to the maximum you may face due to a motorcycle accident.  

Being unable to afford needed motorcycle repairs

If you purchase collision and comprehensive coverage, you can get repair costs covered. Without these types of motorcycle insurance coverage, you’ll have to pay out of pocket if you want to get your bike repaired after an accident. 

Being stranded out on the road

Motorcycle insurance policies can include roadside assistance and towing coverage. This type of coverage comes in handy if you break down or get in an accident and are left stranded out on the road as a result. 

Experiencing stress over the possibility of getting in an accident

One of the best benefits of motorcycle insurance is that it gives bikers peace of mind. While it’s always stressful to get in an accident, carrying insurance makes accidents less stressful and financially consequential for motorcycle owners. 

Ready to insure your bike in Pomona, CA? Enjoy stress-free riding with motorcycle insurance coverage from THINK Insurance & Financial Services. Call us or visit us online for a motorcycle insurance policy quote. 

Those who spend time outside the United States can face challenges accessing and paying for medical care when outside the country. Still, international and travel health insurance solves this problem. Whether an individual needs travel or international health insurance, the THINK Insurance & Financial Services team serving Pomona, CA, will happily assist you.

International Health Insurance Options

Travel health insurance covers vacationers and those traveling for work or school for a limited time, such as weeks or months. In contrast, international health insurance generally covers those planning to be outside the country for more than six months and is our focus for this article. 

International health insurance typically covers comprehensive medical care, including:

• Medical care expenses
• Maternity coverage
• Ongoing treatments
• Access to doctors and prescription drugs 
• Certain emergency evacuations

Those who buy international coverage are often expatriates, global employees, and retirees living outside the United States since Medicare does not provide coverage outside the country. In addition, many countries and regions require proof of international health insurance to obtain a visa or otherwise enter their territory. (They are not obligated to treat those without proper insurance.)

Another advantage of most international health insurance plans is that they cover treatments in multiple countries. This feature is beneficial when traveling from your expatriate home because it allows you to seek specialist care in another country where you may be more comfortable with the style of care, language, or other factors.

Working with THINK Insurance & Financial Services

If you live in or near Pomona, CA, and want to adequately protect yourself and your family while outside the United States, contact the THINK Insurance & Financial Services team. We’ll happily create a plan to suit your needs.

Renters insurance is valuable coverage that protects you in the event of loss, damage, and theft. To ensure a smooth process when making a renters insurance claim with THINK Insurance & Financial Services, serving Pomona, CA, use the following tips.

1. Maintain an Inventory

As soon as you move into your rental unit, take an inventory of your possessions. An easy way to do this is to video everything around each room. Remember to include hidden items inside closets and drawers, paying special attention to valuable items. Get a photo or video of your sports equipment, such as bicycles, skis, etc. Do the same with any rental storage unit you own. When you make a new purchase, photograph it or create another video.

2. Keep Receipts

Keep receipts for any new, valuable purchases you make. Scan the receipts and organize them into a folder on your hard drive. This will make sending the digital file to your insurance company representative easy.

3. Report Theft to the Police

If your loss involves a theft, your insurance company may require you to have a police report. Be sure to report the theft and get a police report, even if you feel the police won’t be able to track down your items.

4. Obtain Surveillance Video

Your rental manager may have outside surveillance video that could have captured the theft on tape. Ask to see the video and obtain a copy, if possible. This could be an essential support piece for your renter’s insurance claim. If you can’t get a copy, let the insurance company know it exists.

Your insurance representative at THINK Insurance & Financial Services, serving Pomona, CA is happy to help you with your renter’s insurance claim questions. Contact us today to learn more.