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You are here: Home / Archives for Newsletter / Business

Claims and Underwriting: Frequency-Severity Method

November 17, 2020 By Laura Riley Leave a Comment

When it comes to the underwriting of insurance, there is a particular method insurer’s use when calculating how much the average claim costs. This method is called the frequency-severity method. What Is the Frequency-Severity Method? Overall, the frequency-severity method is a method for determining the expected number of claims that an insurer will receive during a given time period and how … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Construction, Coverage, Newsletter, Personal Lines Tagged With: Coverage, Ramey King Insurance, Risk Reduction

Commercial Property Rate Increases

October 23, 2020 By Laura Riley Leave a Comment

Across the country, commercial property rates are on the rise as insurers are forced to contend with a rise of natural disasters, social unrest and the COVID-19 pandemic. In addition to these tumultuous times, insurance companies have become stricter with their underwriting by restricting some coverages and excluding risks that have been covered in the past. While it might seem like the rates … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Coverage Tagged With: Commercial Insurance, Property Cost Evaluation, Property Rate Increase

How has COVID-19 changed your business for 2020?

June 10, 2020 By Laura Riley Leave a Comment

The State of Texas is slowly reopening and many of us are starting life again with a new normal. This is especially true of business owners across the state. While the rest of 2020 remains uncertain, we have compiled a list of questions pertaining to your business and insurance coverage. We hope you find these points beneficial as your business resumes operations. Has your property recently … [Read more...]

Filed Under: Blog, Business, Coverage, Personal Lines

New Years Resolutions: Thinking About Insurance

December 18, 2019 By Laura Riley Leave a Comment

Have you made your 2020 resolutions and goals? If you have, we hope 2020 is a successful year for you! But bearing in mind your resolution, do any of your goals result in a change of insurance needs? Below, we’ve included some questions you might consider as we embark on a new year. Any new properties or homes? Find out what the premium estimates are for these additions before you make a … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Construction, Coverage, Personal Lines Tagged With: Coverage, Insurance, New years, Ramey King Insurance, Resolution

Earthquake Insurance…in Texas?

October 11, 2019 By Laura Riley Leave a Comment

You might be reading the title of this article with slight confusion. Earthquakes? In Texas? While they’re not incredibly common, earthquakes are becoming more and more widespread across our great state. In general, most Texas insurance coverages do not include earthquake coverage, as it’s a coverage that’s not usually provided or asked for in most property coverages. However, due to the uptick in … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Coverage, Homeowners Insurance, Personal Lines Tagged With: Coverage, Earthquake Insurance, Natural Disaster, Ramey King Insurance

Working From Home and Insurance

September 27, 2019 By Laura Riley Leave a Comment

More and more, you’re hearing about companies offering jobs for remote employees. Remote work, or working from home, is increasingly becoming a perk in the workforce and allows for more flexibility than the traditional 9-5 office work. While telecommuting isn’t new, technological enhancements have made the transition from office to home that much easier. This option is now open to many more office … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Coverage, Health Insurance, Homeowners Insurance, Personal Lines Tagged With: Coverage, Protection, Ramey King Insurance, Telecommute, Work from Home

Driving Without Insurance in Texas

August 29, 2019 By Laura Riley Leave a Comment

Driving without insurance, always a huge risk. Some choose to do it, others do not. Regardless of where you fall, knowing the consequences of driving without insurance in Texas is important. The penalties are harsh no matter how you look at it. Getting Caught Without Insurance In Texas, drivers are required to carry a stated minimum of liability coverage ($25,000 for property damage, $30,000 … [Read more...]

Filed Under: Blog, Business, Car Insurance, Coverage, New Vehicle, Personal Lines Tagged With: Car Insurance, Coverage, Insurance Claims, Liability, Ramey King Insurance, Teen Driving

How Often Should I Review My Insurance?

August 16, 2019 By Laura Riley Leave a Comment

How often should you review or bid your insurance? This is a question we’re asked many times in a year. While we live in a free-market economy that allows a person to seek the best option when purchasing from vendors, (i.e. insurance companies) the concept of putting a product out to bid creates some interesting thoughts. What is a good option to get the best insurance program? Several years … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Construction, Coverage, Flood Insurance, Health Insurance, Homeowners Insurance, Personal Lines Tagged With: Coverage, Insurance, Ramey King Insurance, Review

Dogs and Liability

August 8, 2019 By Laura Riley Leave a Comment

For many Americans, dogs play an important role in the family dynamic. They’re included in Christmas cards, family vacations, and sometimes share the main bed in the house. It’s a sweet thing to love a dog and receive a dog’s love in return. Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association (III.org). Of that … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Coverage, Homeowners Insurance, Personal Lines Tagged With: Blog, Coverage, Dog, Home Insurance, Liability, Renter

Renter’s Liability Coverage

July 18, 2019 By Laura Riley Leave a Comment

When you sign up for renter’s insurance, you’re not only protecting the contents of your home, you’re also protecting yourself financially from any liability cases brought against you. Most (but not all) renter’s policies provide a $100,000 (minimum) of financial protection for covered accidental bodily injury or property damage to others. What is Renters Liability Coverage? In the event … [Read more...]

Filed Under: Blog, Business, Commercial Real Estate, Coverage, Homeowners Insurance, Personal Lines Tagged With: Coverage, Landlord, Landlord Insurance, Ramey King, Renter, Tenant

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From Our Blog

winter country road

Staying Safe in Winter

In Texas, we can often see extreme weather during the winter months. It is important to take precautions to keep yourself, your family, and your belongings safe. But when the weather overcomes … [Read More...]

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320 Eagle Drive
Denton, TX 76201

Phone: 940.382.9691
Toll Free: 800.453.9691

Phone: 940.382.9691
Toll Free: 800.453.9691

TX Lic #6051

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