Protect Your Present and Future With Comprehensive Insurance

New Mexico Insurance Agency

For most people, securing reliable, complete insurance coverage is a no-brainer. There’s no reason to not protect your valuable assets or give yourself financial protection. Some things you can live without, but there are certain things in life you want a New Mexico insurance agency to watch over for you. The following are types of insurance coverage you need for yourself and your loved ones.

Life Insurance

If the unfortunate and unforeseen happens, and you pass away before your family is raised, how will they manage financially? Life insurance provides a financial benefit for your dependents when you die. You choose a benefit amount, and you’ll pay an affordable monthly premium.

Car Insurance

Not only does auto coverage protect you from having to pay through the roof in the event of an accident, but it’s required by law for drivers to have it. Your New Mexico insurance agency should offer this benefit.

Homeowner’s Insurance

Damage to your home from accident or the forces of nature can result in thousands of dollars (or more) in repairs. The costs can be overwhelming. Fortunately, with homeowner’s insurance you won’t be responsible for much of this.

When the time comes to find an insurance agent, it’s vital to select a company that can give you all the necessary options. Make things easy on yourself and choose an agency that offers life, home and auto insurance.

What Insurance Agents Need to Know About Autobody Clients

Auto body technicians face risks that are highly dangerous because they are so subtle. As an insurance agent or broker, you must understand these risks in order to provide proper service to your auto clientele. Moreover, auto body insurance should be underwritten and carried out by a management company that understands workers’ compensation as well as the risks specific to the industry.

 

Chemicals

 

Paints and solvents contain volatile organic compounds such as xylene and acetone that can be released as harmful, undetectable gases. Likewise, welding equipment produces toxic metallic vapors. It is difficult to completely avoid these fumes even while wearing proper hand and face protection. Light exposure can cause a variety of skin and eye irritations; however, too much inhalation can lead to an array of physical side effects as well as permanent damage to the central nervous systems.

 

Dusts

 

Sand blasting is an effective auto body technique that helps rid surfaces of impurities; however, it can generate silica or metal dusts that cause significant problems for the respiratory system.

 

Equipment

 

Technicians often use heavy machinery for welding, coating, cutting, and drying. Metal parts can become loose and end up crushing feet or hands. Likewise, an oil spill can generate serious burns or even a fall that can result in broken bones or head trauma.

 

As an agent, it is important to recognize the risks that went into creating that shiny car you currently drive. These clients deserve quality auto body insurance and premium service, which come from a genuine understanding of what they do.