Changes Are The Only Constant

Changes Are The Only Constant

by | Mar 16, 2020 | Insurance

Heraclitus, a Greek philosopher, once said “The only constant in life is change.”

If there is any universal truth in existence, it is that life, despite our best efforts in planning, will rarely go according to plan. Sometimes, no matter what preventative or proactive measures we take, it is always impossible to eliminate risk.

Whether you are an individual or a business owner, risk is incurred in every facet of life. For instance, you must first sign a lease, if not purchase a car, in order to be the owner of a vehicle. Car accidents are always a looming possibility on the roads, which is why car owners or lessees purchase car insurance. In business, no matter what industry you are in, every entrepreneur or corporation takes on a certain degree of risk in starting a new business. There is additional risk that carries through the lifetime of the business itself. This is why enterprises have business insurance.

The best way to mitigate risk is to be prepared for the tragedies of life.

White Dump Truck Near Pine Tress during Daytime

David Weber has owned and operated a small distribution chain in California for the past ten years. “I have anywhere between five to ten trucks going out at any time throughout the day. Our drivers are on the road 24 hours a day, 7 days a week, through alternating shifts, in order to ensure that our shipments are delivered on schedule,” he says. For nine of those years, his business ran smoothly, without any hiccups or accidents. However, on one evening, three months ago, one of his trucks had been hit by a drunk driver at around midnight on the highway. “It was a complete shock. Highway accidents might be common in the trucking industry, but it just had never happened to us. And you tend to hear these things on the news and think, ‘Oh, but it won’t happen to me or my company.'”

Luckily, Weber had business insurance. His company was able to recover the cost of the damages to the truck, and his driver received compensation for the physical injury and trauma.

Everyone should be insured in the event of any unforeseen personal or business incident. We wanted to highlight Byron Galindo, a State Farm Santa Monica Agent that offers home, renter, auto, and business insurance. Team Galindo has a focus on commercial trucking workers’ compensation insurance, landlord insurance, and earthquake insurance.

If you are contemplating whether or not you need insurance, consider the cost of doing business or living life without preparation for all of its uncertainties. The harsh reality is that—yes, anything could happen to any of us. No one is universally safe from the laws of nature. We are all human, and life is fragile. We should never take life for granted or assume only the best case scenarios.

If you are looking for an insurance agent to discuss the best form of coverage for you, you can give Byron Galindo’s office a call.

Byron Galindo – State Farm Insurance Agent
214 Pier Ave, Santa Monica, CA 90405, United States

Don’t Be Uncertain, Be Insured

by | Jul 11, 2018 | Insurance

Safety and security are important to us as human beings. The more things we earn in life, the more we want to protect whats ours and not lose what we’ve gained. This very mindset led us to birth an industry that is now one of the biggest in the world. Insurance. Good ol insurance that we have all come to love and hate depending on the situation and the insurance service you are using. With such a booming industry, many companies were founded all trying to be a little different by providing better insurance with more coverage at better rates. You’d think the competition would make for a buyers market right? Well since insurance is all but required to be a functioning citizen, insurance companies have an advantage. They get to compete with each other to an extent but they know the demand will never get too low. Where has this led us? Into a world where 4 or 5 big companies that all have appealing rates with less coverage seem to be the only options. 

People are getting tired of being left with only the big companies that seem to offer “free” benefits yet the premiums increase. Instead, people are willing to lose some of the benefits for cheaper coverage.

“In J.D. Power’s 2017 U.S. Insurance Shopping Study, price has become a more influential factor in brand consideration and quoting, surpassing the importance of a good past service experience. For small insurers to compete with their larger competitors, some of the lowest rates can be found with the lesser-known and smaller companies. And while these smaller companies may not be able to offer all the frills and extra benefits of the larger companies, with less overhead, they may be in position to offer lower rates.”

While this new trend has opened the door for smaller insurance companies to flourish, it has also flooded the market with options and options and more options. There are only so many benefits that a small insurance company can offer and only at so low of rates. Luckily for the consumer, this makes client agent interaction become more important. People want to be insured by someone they feel they can trust. So where do you start searching?

As much of our readership is in Southern California, we recommend starting at Chrysalis Insurance Agency. They are an established agency that is owned by a family that’s been in business long enough to make you feel comfortable. They can cover almost any of your insurance needs and make sure your plan is tailored just for you. They cover all kinds of insurance like business, auto, drone, life, and full home insurance in Newport Beach! Yes even for the multi-million dollar houses.

So start your search! Start where you want of course. If you do start at Chrysalis, you may find that your search will be pretty short.

Chrysalis Insurance Agency

Address: 3001 Red Hill Ave Suite 2-226, Costa Mesa, CA 92626
Open ⋅ Closes 5PM
Phone: (714) 464-8080