Edmond Consulting Group LLC, better know as ECG LLC, founded in 2005 and serving SC, GA, MS, NC, and TN. ECG is a network of licensed insurance professionals committed to fulfilling our clients insurance needs, whether it be for your home, auto, apartment, motorcycle, land, life, annuity, health, dental, vision, business or commercial property; we will compare rates among several insurance carriers to find the best fit for you. We also offer Business Auto and High Risk Workers Comp coverage for special businesses, that list can be viewed below. Try our all new Ride Share Coverage for Uber and Lyft drivers. Submit quote on right tab. (Provides coverage in and out of drive mode)
Without sacrificing our core values, we’ve experienced a surge in year-over-year revenue as well as unparalleled organic growth. From offices in strategic locations around the globe, our experienced team members respond swiftly to clients’ needs. Those values of Clients first, Passion for what we do, Collaboration and Openness for optimal results, Respect for clients, colleagues and the market, and Excellence in everything we undertake help us provide service that’s truly first-class.
Around the world, our brokers specialize in managing risk across a variety of industries. We are an agile team, trailblazing a fiercely analytical, refreshingly personal and predictably thorough approach to managing complex risk. We span the globe, but working together as a unified team helps us eliminate the service-related issues so common throughout our industry and deliver results that are truly exceptional.
EXPERIENCE BETTER. EXPERIENCE ECG.
Few firms can match our presence. We apply the experience, depth and resources of a global firm through integrated, multi-disciplinary teams. The result? Prioritized attention and agility typically found only at a boutique brokerage. In addition to placing standard insurances, we design optimal coverage for an array of specialized needs and industries. The hallmarks of our unique approach reflect the values that drive them:
Passion for our WorkOpenness
Client Service Excellence
Superior market influence
Innovative, bespoke solutions
These values and service hallmarks reverberate across our capabilities, which can be broadly organized into three categories:
Property & Casualty: From protecting against physical damage to mitigating business interruption, we place primary and excess coverage for risks everywhere around the globe for any size of business.
Employee Benefits: ECG provides an array of global benefit solutions that include employee benefit counseling, executive benefits, HR automation and compliance, healthcare reform consulting and more.
Specialty: As a specialty broker, you can count on ECG to offer protection for many types of risks, including solutions for an array of industries. Browse our solutions & services and industries served online to find a solution tailored to fit your specific needs.
LET’S START A CONVERSATION Our seamless approach and visionary leadership are a perfect fit for your business. Contact ECG today to start a conversation about your needs.
Taking a closer look at seven of these factors that affect your car insurance premiums can clear things up—and some of them also come with bonus suggestions for keeping the costs down.
It's a given that you will choose your car insurance deductible and decide whether to add additional coverage that isn't necessarily required by the laws in your state. The specifics of your policy and deductibles play a major role in your monthly payment.Generally, choosing a higher deductible means a lower monthly payment; choosing a lower deductible means a higher monthly payment. Additional coverage gives you added insurance protection, depending on the claim, but will also add to your monthly costs.Also, consider that many insurers will offer discounts if you use them for multiple products, such as auto and home insurance.
Car insurance providers often develop vehicle safety ratings by collecting a large amount of data from customer claims and analyzing industry safety reports, and they offer discounts to customers who drive safer vehicles.The opposite can apply for dangerous, flashy rides. Some insurers increase premiums for cars more susceptible to damage, occupant injury, or theft, and they lower rates for those that fare better than the norm on those measures.Driving vehicles that rate highly in terms of driver protection and passenger protection, like recent model year Toyota 4Runners, mean discounts on insurance. And while two-door Honda Civics are one of the country's most popular vehicles, their lower-than-average safety ratings and desirability to car thieves make them more expensive to insure.So before you head down to the dealership, do some research. Does the vehicle that has caught your eye have strong safety ratings? Is this specific model often stolen? Knowing the answers to a few simple questions can go a long way in keeping your rates low.
People who use their car for business and long-distance commuting normally pay more than those who drive less. The more miles you drive in a year, the higher the chances of a crash - regardless of how safe a driver you are.Consider joining a car or van pool, riding your bike, or taking public transportation to work. If you reduce your total annual driving mileage enough, you may lower your premiums.
Generally, due to higher rates of vandalism, theft, and crashes, urban drivers pay more for car insurance than do those in small towns or rural areas.
Drivers who cause crashes generally must pay more than those who have gone crash-free for several years.If you've been crash-free for a long period of time, don't get complacent. Remain vigilant and maintain your good driving habits.And even though you can't rewrite your driving history, having a crash on your record can be an important reminder always to drive with caution and care. As time goes on, the effect of past crashes on your premiums will decrease.
It has been shown certain credit information can be predictive of future insurance claims. Where applicable, many insurance companies use credit history to help determine the cost of car insurance. Maintaining good credit can have a positive impact on the cost of your car insurance.
Crash rates are higher for all drivers under age 25, especially single males. Insurance prices in most states reflect these differences.If you're a student, you might also be in line for a discount. Most car insurers provide discounts to student-drivers who maintain good grades.
Homeowner's insurance is designed to bring your home and possessions back to the same condition they were in before a loss occurred. There are several different types of homeowner's insurance policies offered by a wide variety of insurance companies. As a result, not all coverage's are the same. It is important to review all your options and coverage's so you can make an informed decision.What affects the price of homeowners insurance?
Below are the most critical factors:
How much coverage you choose has a significant impact on the price of the policy. If you have some particularly valuable items such as expensive jewelry or antiques, they probably won't be covered in your general homeowner's insurance policy. You may need a rider to include extra coverage generally in a policy. ECG homeowner's insurance policies include the foor those items not included in the allowing coverage's:
Expect to pay a higher premium rate if you live in an area prone to natural disasters.
Discounts are usually offered if you purchase a home security system.
It will help your homeowner's insurance policy rates if you live near a firehouse. Even if your home is not located in close proximity to a firehouse, it is a good idea to rid the area around your home of as many fire hazards as possible.
Many homeowners probably do not have a clue what building materials were used when their home was built, but most know its age. Brick homes carry lower insurance premiums than would a house made from mostly wood or other flammable materials. Generally speaking, insurance companies charge higher premiums for an older home or one that is not well maintained.
For current homeowner insurance policies, the frequency of your claim record will translate into higher rates. Carefully evaluate every claim before submitting it for reimbursement. Ask yourself, if the claim is worth risking a hike in your premium next year? Preventive maintenance, and keeping up with small problems, will prevent larger and more costly ones in the future.
No insurance company can refuse you coverage based on a low credit report score (Alone or Soley). What they can do is take your score into account, and if it is high enough, they may offer a discount.
There is a rule of thumb for homeowner's insurance policies: The lower your deductible, the higher your premium. A higher deductible could reduce your premium costs up to 25 percent.Take a few minutes to get a free, no obligation homeowner's insurance quote, and see just how affordable our rates can be.
My personal business philosophy is dedicated to helping my clients protect their financial security as they prepare for retirement and reduce financial risk. I hold myself to the highest level of personal and professional integrity and promise only to recommend insurance product solutions that are in my client’s best interests. My mission is to improve the finance, health and wellness within the community by educating while maintaining life changes.
LIcensed SC, GA, MS, TN, AND AL. SOON WILL BE IN YOUR STATE!
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