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...]
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...]
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...]
