Your landscaper falls from your tree while he is pruning it, and the injuries send him to the hospital. His medical bills are about $5,000 and he does not have any insurance. Will your homeowner's insurance cover you if the worker decides to file a lawsuit?
Most homeowners do not fully understand that they could be liable for damages from a maid, landscaper, or contractor if they are injured on the homeowner’s property. Homeowner’s insurance is designed to cover you for losses to third parties when you are responsible for the injury. Homeowner’s insurance does not cover business operations. How to make sure you are protected
Summer is here for most of us, which means getting outside, traveling, playing sports, and completing home improvement projects. But spring and summer can be dangerous. Here are some of the most common claims that occur in spring and summer.
We can provide personal insurance options that fit your individual needs. That may mean a personal umbrella for added protection, competitive coverage for a vacation home, life insurance, disability insurance, or even mortgage protection coverage. It may also mean we advise you to increase your deductibles on older vehicles. If you have a custom home, we would recommend adding the feature to your homeowner’s insurance that is designed to provide the needed replacement coverage in the event of a loss. Home Insurance – Do you have true replacement cost coverage. Are you insuring your loss of use if your home were destroyed? Auto Insurance – We recommend buying more than the state minimum requirements for liability coverage. The small additional premium can help protect your financial future. Motorcycle Insurance - 24-Hour Roadside Assistance, your bike breaks down in the middle of a long road trip. Count on roadside help with this coverage Watercraft Insurance - Protect your watercraft and trailer, including options for agreed value and emergency services. We can help you determine the right homeowner’s insurance coverage
Every year there are many new homeowners who look to us for help with their first home. Understand homeowner’s insurance can bring stress and misunderstanding, and we are here to help you find the right combination of coverage, price, and service. We find most first-time home buyers may not understand what is covered and not covered under a typical home insurance policy. Many times the mortgage company will require insurance, and the homeowner won’t question the coverage specifics. But it is just a minimum requirement for what you are purchasing. If you are an uninformed buyer, you might not address every possible scenario that might be covered by another policy. Keys to understanding your home insurance policy
For many people, insurance can be difficult to understand. Most people know that insurance is needed, but often they do not fully understand what they are buying or if they are properly covered. That is why it is important to have an insurance agent on your side. A good agent will help you determine what your insurance needs are, educate you about your options, and help you understand the specifics of the insurance you are buying.
Here are five things that you need to know as you consider your insurance options.
Insurance For High Net Worth Individuals
Personal Insurance; A safety Net For High Net Worth People There are many benefits to having been blessed with wealth. You may have a vacation home, boat, plane, or get to travel the world. But individuals with high net worth have increased risks that need to be managed. Personal insurance policies created for high net worth individuals can have much higher limits than average policies, providing the adequate coverage high net worth individuals need for more expensive homes and automobiles, as well as valuable collections, yachts, and aviation. One-way, high net worth insurance responds to this challenge is by bringing multiple areas of coverage and expertise together into a comprehensive insurance solution based on your individual needs. Many “standard” personal insurance policies have limitations that create the need for a different personal insurance approach. We can offer specific coverage for the following risks:
Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving insurance customers since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. We are licensed in Texas, California and Missouri. We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation. 2/8/2021 Ice Dam Prevention TipsThe winter months present a number of potential headaches for the homeowner, including ice dams. Ice dams are dams of ice that form on roofs and cause water to back up. Ice dams form when the snow that touches the roof melts, and then that water freezes again before running off your roof.
Gutters are not the only place where ice dams form. Blocked or clogged gutters can fill with ice and provide the foundation for an ice dam. Ice Dam Prevention
The rain, snow and cold weather has arrived. It time to shop for new winter clothes, time to consider how to protect your home from the winter conditions that are fast approaching. With temperatures falling and meteorologists predicting a colder than normal winter, the easiest and most cost efficient way to keep your home’s heat inside, while keeping your heating bill respectable, is to add fresh insulation to your attic, ceilings, basement, and walls.
Time For Home Insurance Check Up Let us provide you with an insurance check-up to make sure you have the best possible coverage. We have many ways to save you money on your homeowners insurance. We can also determine if you have the right homeonwers insurance for your individual needs. Prepare For Winter Have an emergency kit ready; an emergency kit is simply a collection of basic items your household may need in the event of an emergency. Include the following: water, flash lights and batteries, first aid kit, whistles to signal for help, basic tools, manual can opener, small supply of food, radio, candles, lighter, blankets and rope. The following is a checklist for what homeowners ought to be doing when prepping for the cold season. Stick to it, and you're sure to have a warmer and more relaxed winter experience (scraping and digging out your car notwithstanding).
As our name implies, we strive to make your insurance experience positive. We understand you have many options when it comes to getting insurance, so we are going to strive to give you first class customer service you deserve. Personal Insurance
Our goal is always to give our clients the best possible combination of coverage, price, and service. We are not in the business of offering low-cost insurance that does not meet the needs of our clients. There are many ways we help our clients with their personal insurance while keeping our promises. By believing that insurance is about understanding the needs of our clients and then developing personal insurance solutions around your needs, our clients will be better off. Here are some ways in which we provide unique insurance solutions for our clients. Home Insurance – Do you have true replacement cost coverage. Are you insuring your loss of use if your home were destroyed? Auto Insurance – We recommend buying more than the state minimum requirements for liability coverage. The small additional premium can help protect your financial future. Motorcycle Insurance - 24-Hour Roadside Assistance, your bike breaks down in the middle of a long road trip. Count on roadside help with this coverage Watercraft Insurance - Protect your watercraft and trailer, including options for agreed value and emergency services. Here is how we get you the right insurance. We place your personal insurance with the right companies. We understand that not all insurance companies are alike. Some companies have great motorcycle rates, while others offer competitive rates on homeowner or renter’s insurance. We have many years of experience, which helps us know which insurers keep their promises. If insurers stop keeping their promises, then we stop using them. All our insurance companies have proven records of accomplishment of delivering on their promises. That means they pay their claims promptly and with minimum problems. Our staff is licensed and trained. We believe that having a team that is licensed and trained is the best way to deliver on our promises. We promise to take the time to understand your needs and be transparent in all our dealings with our customers. We may not be perfect, but we will always work hard to make sure your needs are our number one priority. We find the right personal insurance coverage for your needs. We can provide personal insurance options that fit your individual needs. That may mean a personal umbrella for added protection, competitive coverage for a vacation home, life insurance, disability insurance, or even mortgage protection coverage. It may also mean we advise you to increase your deductibles on older vehicles. If you have a custom home, we would recommend adding the feature to your homeowner’s insurance that is designed to provide the needed replacement coverage in the event of a loss. You may need special personal insurance coverage. There are many special or unique kinds of personal insurance coverages that you may require. These can include identity theft, coverage for fine arts, guns, and other collectibles, plus others. If you are traveling to a foreign country, you may need special health insurance or trip cancelation coverage. All these safeguards are part of how we try to keep our promise to you. We provide only the personal insurance you need. We can provide the necessary personal insurance coverage and limits; we will not try to sell you something you do not need. If you are a young family, we might recommend term life insurance, but if you are in your later years, term life insurance might not be your best option. If you are a high net-worth individual, we are going to recommend at least a $1,000,000 personal umbrella policy to protect you and your family. These policies can often include coverage for reputation management services and defense services, which are part of the policy. We would rather teach than sell. Our office is located where you live and work. We love to meet with our clients and educate them on what kind of individualized personal lines insurance is best for them. We do not use call centers; we have licensed professionals ready to serve you. Our team is here to help you along every step of the way, from designing a competitively priced personal insurance program to helping you settle a claim. We use our experience and knowledge to help you with all your personal insurance needs by presenting you with the best possible combination of coverage, price, and service. Our promise is to help you understand your personal risks, provide you with competitive options, and be there for you when you have a claim. We will respond to your requests promptly and look out after your interests first. Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service. We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation. Give us a call Electric Scooters
Electric scooters are popping up in cities across America, but they have been popular in Europe for years. We are at the beginning of this new form of personal transportation, which creates a few questions regarding risk, liability, and insurance coverage. Scooter usage Facts (Forbes)
Insurance companies are busy trying to figure out who is liable in the event a scooter injures someone. What if the scooter rider injures someone while on the job, will the injuries be covered under workers' compensation? Will liability be the responsibility of the employer’s insurer? Many insurance policies may not address scooters specifically. Depending on the circumstances, some electric scooter-related injuries may be covered, while others may not. Right now, most insurers will not cover scooter crashes. Auto insurers also will not cover scooters, as they are not defined as an automobile. Scooter companies have strict waivers that are included in the rental agreement limiting any liability to the rental companies. One company offers a $1,000,000 liability policy, but all claims would be subject to extensive investigations. Most legal experts agree that riders will bear the legal liability arising from accidents because of the terms to which the rider agrees to when downloading the app. The laws, the courts, and the insurance industry are often slow to respond to new technology, and this may be the case with electric scooters. Relatively few laws specific to electric scooters have been passed. We recommend you contact your insurance agent to discuss if your personal insurance provides any coverage, or if you need to add coverage to your program. Drones and Insurance The Federal Aviation Administration (FAA) released guidelines on the use of drones for commercial and personal use. Many businesses are considering, or actually using, drones as part of their business. Just a few drone applications include real-estate sales and appraisals, making commercials, construction projects, and even security. Most drone users have little or no aviation experience, so even if you follow the regulations and the laws, you might experience a pilot error or unplanned equipment failure. With some models tipping the scales of up to 55 pounds, rogue drones can pose a significant threat to people and property—and to your personal liability. That is why it is smart to add an insurance review to your pre-flight checklist. Here is a link to the FAA rules Here Are Some Things to Know
Each insurance policy is different. But generally, your homeowner’s insurance may not cover your liability if your drone causes a covered loss. It always pays to check with your agent. Driverless Cars Every year auto manufacturers come out with new technology that improves the operation of their vehicles. There is no question that self-driving cars are in our future, and there are many questions that come with this kind of technology. A transport scholar at the University of Minnesota believes that by 2030, every car on the road will be driverless. According to another expert source, the Insurance Institute for Highway Safety, there will be 3.5 million self-driving vehicles on U.S. roads by 2025, and 4.5 million by 2030. Most states have already enacted legislation or executive orders around legal issues involving self-driving cars. Key Issues around Self-Driving Cars
COVID-19 has created many questions about your personal insurance risks and coverage. Here are a few things to consider regarding your personal insurance policies.
Most standard personal insurance policies exclude injury or loss due to communicable disease. We recommend you consult with your agent for a review of your individual personal insurance coverage. Most personal insurance policies exclude liability for any business operations. Working from home would be considered incidental and may not fall under the business exclusion. If you have clients in your home, it might impact your insurance. What If I damage company-owned equipment? Your employer should have coverage for the business owned property. What if I use my personal auto for business purposes? Most personal auto policies provide coverage for incidental use, going to the post office, getting supplies, etc. If you are using your personal vehicle for deliveries, Uber, or other business-specific tasks, you may need to amend your insurance policy. We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. |
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