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You are here: Home / Archives for Risk Reduction

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

Business Interruption Insurance

October 14, 2020 By Laura Riley Leave a Comment

What is Business Interruption Insurance? Business interruption insurance is insurance coverage that replaces income lost in a disaster. The event that causes the interruption can vary, but generally, it is a fire or natural disaster. Business interruption insurance is not sold as a separate policy but is either added to a property/casualty policy or included in a comprehensive package policy as … [Read more...]

Filed Under: Blog, Coverage, Newsletter Tagged With: Business Interruption Insurance, Commercial Insurance, Coverage, Risk Reduction

Do I Need Professional Liability?

May 2, 2018 By Ramey King Staff - c.c. Leave a Comment

All businesses should carry general liability and products liability. This coverage protects the business against bodily injury to a 3rd party for unintentional acts or damage to property of a 3rd party.  It provides defense costs to the client as well as a settlement if the client is found to be negligence in causing the bodily injury or property damage. But sometimes the acts are intentional … [Read more...]

Filed Under: Blog, Business Insurance Tagged With: business owners, Prevention, Professional Liability, Risk Reduction

Personal Umbrella Insurance Coverage

April 12, 2018 By Ramey King Staff - c.c. Leave a Comment

Personal Risk Umbrella

You might’ve heard of umbrella insurance coverage but you might be scratching your head wondering, “What is it?” Well, I’m glad you asked. Umbrella insurance is extra liability insurance and designed to help protect you from major lawsuits and claims. In short, umbrella insurance is yet another way to safeguard yourself, your assets, and your future. Umbrella insurance works in two ways; by … [Read more...]

Filed Under: Blog, Coverage Tagged With: Deductibles, Insurance Bundle, Insurance Claims, Insurance Package, Personal Injury, personal insurance, Premiums, Risk Reduction

Should you get insurance for your jewelry?

March 8, 2018 By Ramey King Staff - c.c. Leave a Comment

Ramey King Jewelry

Should something happen your jewelry, you’d want it covered, right? Buying jewelry, for many, can be an investment. Jewelry isn’t cheap and finding the perfect piece is no easy feat. If something happened to that piece of jewelry, you’d want to ensure it’s covered, right? Interestingly enough, most are unaware that jewelry itself is limited in coverage on your homeowner’s policy and are surprised … [Read more...]

Filed Under: Blog, Coverage Tagged With: Deductibles, Insurance Bundle, Insurance Package, Jewelry, personal insurance, Risk Reduction, Safety

The Calm Before Spring Storms

February 23, 2018 By Ramey King Staff - c.c. Leave a Comment

Hail Storm

It's time to reevaluate your insurance policy before Spring Storms You know that feeling you get in your stomach with the sirens sound in the spring? Yeah, we do too. As much as we love the warmer weather that comes with springtime, we are also blessed with the severe weather that comes with it. As the saying about Texas weather goes, “wait a minute and it will change”, nothing could be more … [Read more...]

Filed Under: Blog, Business Insurance, Car Insurance, Coverage, Health Insurance, Homeowners Insurance Tagged With: Home Insurance, Insurance Bundle, Insurance Claims, Insurance Package, Life Insurance, Risk Reduction, Safety

Insurance for Business Owners: Adequate Means of Egress

October 20, 2017 By Ramey King Staff - c.c. Leave a Comment

Egress

Doesn’t that title sound sexy?  Adequate means of egress may sound like something that would put you to sleep. However, it is really something that should keep you awake at night if it is not properly addressed. The bottom line is that business owners care for their customers and employees. Therefore having an adequate means of egress within a commercial building is important. Egress meaning … [Read more...]

Filed Under: Blog, Business Insurance, Commercial Real Estate Tagged With: business owners, Risk Reduction

What to do after the flood or hurricane damage?

August 29, 2017 By Ramey King Staff - c.c. Leave a Comment

Hurricane Harvey flooding

Check list for cleaning up damage and starting the insurance claim process Early estimates on the damage from Hurricane Harvey range from $10 billion- $80 Billion. FEMA Director Brock Long has called Hurricane Harvey the worst disaster in Texas history. He has also estimated that it will take years for the Southeast Texas Region to fully recover. If you or a loved one has been effected by the … [Read more...]

Filed Under: Blog, Coverage Tagged With: Hacking, Home Insurance, Hurricane Harvey, Insurance Bundle, Insurance Claims, Property Investment, Risk Reduction, Safety, Vacant Building

Hurricane Harvey and your Insurance

August 25, 2017 By Ramey King Staff - c.c. Leave a Comment

Hurricane Harvey Landfall

Hurricane Harvey is rapidly approaching landfall on the Coast of Texas. It is of the upmost importance that every necessary precaution is taken to avoid what is being called the “Strongest Texas Coastal Bend Landfall in at least 47 Years.” The Weather Channel is forecasting days of rain through the end of August, possible complete destruction of mobile homes, and serve damage to trees. Please … [Read more...]

Filed Under: Blog, Business Insurance, Car Insurance, Checklist, Commercial Real Estate, Coverage, Flood Insurance, Health Insurance Tagged With: Healthcare, Home Insurance, Insurance Bundle, Insurance Claims, Insurance Package, Landlord, Liability, Liability Limit, Life Insurance, Loss Control, Prevention, Property Investment, Real Estate, Risk Reduction, Safety, Vacant Building, Water Damage

Want a Quick Flip? Commercial Real Estate Investors Insurance is Critical

June 15, 2017 By Ramey King Staff - S.H. Leave a Comment

quick flip investment

Many commercial real estate investors purchase property with the intention of making a quick flip. This is common and if you don't plan on holding onto the commercial real estate for long, why spend the money on insurance, right? Wrong. You need to have commercial real estate investors insurance as a way of protecting your investment, no matter how long you're going to have the property … [Read more...]

Filed Under: Blog, Commercial Real Estate, Newsletter Tagged With: Property Investment, Ramey King Insurance, Real Estate, Risk Reduction

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From Our Blog

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 … [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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