FAQs

To update your policy information with SPPA Insurance, contact their customer service or your insurance agent. Changes could include updating your address, changing coverage amounts, or adding new coverage options.

The tax implications of an insurance policy depend on the policy type and your individual circumstances. Life insurance payouts are generally tax-free, but other aspects, like certain business insurance premiums, may be tax-deductible. Consult a tax professional for advice specific to your situation.

Insurance costs are going up primarily due to increased claims, inflation, higher costs of repairs and medical treatments, and the impact of climate change leading to more frequent natural disasters. These factors raise the expenses insurers face, which are then passed on to consumers through higher premiums.

For more detailed information on coverage options or to get a quote tailored to your business needs, please visit our website or contact our customer service team. We're here to help guide you through the process and find the coverage that best suits your business requirements.

We will notify you ahead of your policy's expiration with renewal options. You can renew your policy online, over the phone, or by visiting our office.

The insurance enrollment period is a designated timeframe during which individuals can sign up for or make changes to their insurance policies. For health insurance, particularly plans under the Affordable Care Act (ACA) in the United States, this period typically occurs once a year, known as the Open Enrollment Period. Outside of this period, changes or new sign-ups are restricted to qualifying life events, such as marriage, birth of a child, or loss of other coverage, triggering a Special Enrollment Period.

Insurance settlements are generally not taxable if they compensate for physical damage or personal injury. However, settlements for lost wages, punitive damages, or profits may be taxable. Always consult a tax professional for your specific situation.

We’re able to connect our members to a variety of A-Rated insurance carriers that quite simply give better coverage for less money. These include lines of business such as General Liability, Workers Compensation, Bonds, Commercial Auto, Excess Liability, Professional Liability and more. They also have access to a unique management team, with decades of industry experience, to help in providing guidance when navigating the complex waters of today’s business landscape.

We take customer privacy seriously and implement strict data protection measures, including encryption and secure data storage, to protect your information.

What sets us apart is our commitment to personalized service, competitive pricing, and our comprehensive range of products tailored to meet the unique needs of our customers.