Residential Contractors do important work that encompasses a broad amount of construction. When you think of residential contractors, you might think of the company who built your new home, or any of the dozen subcontractors who did a portion of the work. Historically speaking, these business types have been easy to insure. Most insurance carriers would provide a competitive insurance plan for … [Read more...]
Blog
Hailstorm? Now what?
Given the recent storms that hit Denton, coupled with the fact we’re in the thick of our severe weather season, Ramey King wanted to provide a quick overview for how you determine hail damage and what to do. Many times, you have coverage for hail damage under your property insurance. Nevertheless, here’s some information we hope you find helpful if you're caught in a nasty storm. Damage can … [Read more...]
Deductibles, explained!
When it comes to Commercial Property Insurance, there are so many facets that encompass this specialty insurance that it can be hard to keep track. In that same vein, there are also many deductible types that make up Commercial Property Insurance as a whole. Most are pretty straight forward, however, some need a little more explanation. Today’s article will discuss the various types of … [Read more...]
Do your employees drive company vehicles? Here’s what you should know!
You might think of your fleet or company car as an after-thought, however, it should be at the top of your mind. When hiring a new employee and someone that will be operating a company car, it is crucial to be diligent and check everything there is to know about the driver. Being in the insurance world ourselves, we’ve seen quite a few instances where a business did not thoroughly check their new … [Read more...]
What exactly is a Loss Run?
Loss runs. Have you ever heard of the term and wondered what it is? If you’ve been involved in working with an insurance company regarding premium options on your property, you’ve more than likely been asked to provide a loss run on your current or prior insurance plan. Some common questions are, what are loss runs, how do I get them, and why do they matter? Well, let us illuminate this topic for … [Read more...]
A Few Tips on Roof Protection
A roof can be very expensive. In fact, sometimes it can cost more than a new car. While we might view our rooftops as “out of sight, out of mind”, a damaged roof can get our attention pretty quick. We’ve compiled a list of tips to keeping your roof maintained. After all, the roof is protecting you and all of your belongings inside. Keep Gutters Clean You should always keep your gutters clear … [Read more...]
Landscape Insurance: What You Should Know
Spring is quickly approaching and with the changing season comes the need for lawn maintenance once more. When it comes to landscaping your lawn, many people choose to hire professionals to assist. But many times, landscapers and other lawn care businesses are exposed to risks that can lead to accidents and financial loss. If you own your own landscaping business, acquiring this specialty … [Read more...]
Commercial Coverage: HVAC Technician Insurance
In Texas, this unit is incredibly important to our survival! Living in Texas, we're forced to use both heating and cooling...and sometimes both in the same day! That's why the role of an HVAC Technician is incredibly important to us. But did you know that there's a special insurance associated with HVAC Technicians? If you didn't, continue reading below to learn more! HVAC Technician … [Read more...]
Winter Storms: What’s Covered?
Winter isn't quite over yet! It's always best to be prepared. While Texas weather keeps teasing us that spring is on the way, there’s still quite a bit of winter left before we can really put our guard down and enjoy the upcoming warmth! With that in mind, it’s always a good idea to have the knowledge surrounding your policy and what exactly is covered in the event of a winter storm. In the … [Read more...]
Commercial Property Insurance: The Why Behind the Questions
Reviewing your current policy could save you money! All I want is a proposal. Why so many questions regarding commercial property insurance? From time it time, it makes sense to review your insurance for your apartment or commercial property. When it comes to this decision process, most don’t really know what they are looking for insurance in an agent or an insurance policy, or what the … [Read more...]
