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...]
Personal Umbrella Insurance Coverage
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...]
Should you get insurance for your 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...]
The Calm Before Spring Storms
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...]
Insurance for Business Owners: Adequate Means of 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...]
What to do after the flood or hurricane damage?
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...]
Hurricane Harvey and your Insurance
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...]
Want a Quick Flip? Commercial Real Estate Investors Insurance is Critical
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...]
5 Tips for Insuring Your Commercial Real Estate
When you are a commercial real estate investor, you need to obtain insurance. Otherwise, you run the risk of losing your investment entirely. Once you acquire the property, here are some tips to follow to help you get an affordable policy. Compare Quotes Multiple insurance companies provide investors insurance for commercial real estate. To avoid paying too much on premiums, get quotes from … [Read more...]
3 Reasons You Need to Insure Your Restaurant Now
If you own or manage a restaurant, you have a lot of responsibility. Due to the nature of the food service industry, though, you know that accidents can happen. While you and your employees want to do your best to prevent problems from occurring, it's best to err on the side of caution. One way you can do this is by investing in a good business insurance plan. Here are 3 reasons you'll want to … [Read more...]
