New Year, new you! That’s the going mantra this time of year. While you may or may not partake in New Year’s Resolutions, it’s hard to ignore the desire for a healthier lifestyle. Last year, a staggering 45% of all resolutions were to lose weight or get healthier. This is a great endeavor whether or not you want to lose weight. The easiest way to start a healthier lifestyle is to just get outside! … [Read more...]
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Fire Safety for the Holidays
The holidays are upon us! And while the holidays mean lots of celebration, family, food and decorations, it’s important to be cognizant of the hazards and safety issues surrounding this time of year. During the winter, nearly 47,999 fires occur, claiming more than 500 lives and causing more than 2,200 injuries. It can also cost an upward of $554 million in property damage (National Fire … [Read more...]
Insurance for Real Estate Syndication
In this explosive real estate market in North Texas, real estate syndication has become a popular way to acquire real estate. Below, we’ve enclosed a list of exposures and coverage(s) that a property syndicator needs to consider along with some options of how to arrange these. Property insurance: This is the coverage for the building, office contents or equipment owned by the management … [Read more...]
Preventing and Thawing Pipes— tips from the American Red Cross
As we get ready to welcome December, we're also getting ready to welcome the winter months. Here at Ramey King, we want you to be prepared for any changes in weather, especially since we call Texas our home and the weather can be fickle. When it comes to protecting your home, one of the best preventative measures you can take is by protecting your pipes. We've taken some tips from the American Red … [Read more...]
Liquor Liability Insurance; a good thing to have this holiday season!
The festive season is upon us and it’s always a fun and exciting time of year. November-January typically means multiple holiday parties and gatherings and with that in mind, now is a great time to start planning ahead. If you plan on hosting a reception at your home, there can be serious potential liabilities to consider, especially if alcohol is involved. Much a like a bartender at a … [Read more...]
The Importance of Tree Maintenance
Trees are a beautiful addition to any home and can add value to your property. However, trees can also be troublesome if they aren’t properly maintained. Besides being unsightly, dead or decaying trees pose a safety hazard that can leave you liable for damages caused. It’s important to understand what is covered by a homeowner’s insurance policy if a tree should fall on your property or a … [Read more...]
Employment Practices Liability Insurance: Consider it today!
As the headlines continue and insurance carriers continue to pay out, Employment Practices Liability Insurance, (or EPLI), has become an issue to many companies, regardless of their size. Many companies are considering EPLI to cover executives who harass employees, or employees who harass other employees. This is not only an issue with large firms but can be an issue with small, local … [Read more...]
Thinking of driving for Uber/Lyft? Here’s what you need to know!
As Uber and Lyft have grown in popularity, insurance companies have made efforts to meet the demands from drivers for coverage. You might be thinking that your standard auto policy is enough to cover you should you decide to become a driver; however, this is not the case. More often than not, you will need additional coverage known as rideshare insurance. This insurance helps over personal use and … [Read more...]
Errors & Omissions Insurance and why you might need it!
Errors and omissions insurance (E&O) is a type of professional liability insurance that guards and protects companies and their workers or individuals against claims made by clients for inadequate work or negligent actions. Errors and omissions insurance often cover both court costs and any settlements up to the amount specified by the insurance contract. So who exactly needs E&O … [Read more...]
The 411 on RV Insurance
Knowing the ins and outs of recreational vehicle insurance (aka RV) is important when considering this purchase. Since each RV is unique, you’ll need tailored coverage to match your needs. How you use your RV, how often you use it, even the RV itself is all unique to the makeup of the insurance. It’s important to ascertain everything you need to know regarding this investment. For starters, RV … [Read more...]
