Children really do grow up fast. And while each stage of parenting comes with good and bad, nothing can quite prepare you for when your teenager starts to drive. In the United States, sixteen is the legal age for children to operate a motor vehicle without an adult (over 21) present. So, before you go and buy Susie her first car, you need to be aware of the costs associated with teenage drivers. … [Read more...]
Trampolines and your Homeowner’s Insurance
Trampolines are almost a right of childhood. They’re fun, get kids outside, and encourage active play. But before you consider installing one in your home, it’s critical to understand that trampolines might not bode well with your homeowner’s insurance. The reason for this is simple: safety concerns. Continue reading below to learn more about the risks associated with these play items. Does … [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...]
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...]
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...]
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...]
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...]
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...]
Ladder Safety 101. Yes, it’s a thing.
Most real estate professionals think of many things when discussing their real estate. There’s the cap rates, maintenance costs, upgrades, monthly rents, etc. However, more often than not, the consideration of the roof is forgotten. Did you know there’s a killer on the loose and you’ve probably come across it in your day-to-day life? We’re talking about the common, ordinary ladder. … [Read more...]
