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...]
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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...]
Insurance for Property Managers…what you need to know!
Writing insurance for property managers has always been a big part of the business at Ramey King Insurance. We welcome the opportunity to visit with all managers of all types of property from apartments, single family and commercial. Many managers rely on the insurance provided by their property owners to insure their Management Company. There is some overlap and some coverage … [Read more...]
What you should know about Workers’ Compensation
Workers’ Compensation is a state-regulated insurance program that helps people with work-related injuries and illnesses. Under this coverage, eligible employees receive compensation and medical care to treat their injuries and illnesses. Depending on the severity of the injury itself, workers’ compensation might also provide: Payments to replace some of an injured … [Read more...]
Deterring motor vehicle burglars…helpful advice from the City of Denton
The City of Denton recently sent out its Residential Update newsletter. Inside, there was an interesting snapshot of how “observant citizens are one of the best deterrents for motor vehicle burglaries”. This is incredibly true. As Denton continues to surge in population growth, it’s inevitable the rate of crime will go up as well. Car burglaries are becoming routine in the city, so it’s up to us … [Read more...]
Personal watercrafts; big investments that require protection
Summer might be winding down but since we live in Texas, water-sports can be enjoyed for a few more months. Boats and personal watercraft are big investments, but if you love being on the water, you know they’re worth it! Protecting your fun investment with coverage that’s designed with you in mind is paramount to protecting your boat. Insuring your boat can help cover the cost of … [Read more...]
The importance of Landlord Insurance…especially in a college town
Do you own property? Do you lease it out to tenants? Have you heard of Landlord or Rental Dwelling Insurance? If not, read on below to learn more about this important coverage. If you own rental property, dependable coverage is crucial to maintaining your property. With Landlord Insurance, you’re prepared for major issues that threaten the property you own and your financial assets. … [Read more...]
