Do you want to start a home-based business? Having a home business of your own is a good way to make a living. Keep in mind that it there are risks involved. Most home-based businesses do not have the same risks as other businesses, including buildings, employees, production machinery, and a fleet of vehicles. 

However, home-based businesses do have many risks that need to be considered.
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Do Some Pre Planning

• Check with your local zoning to see if home-based businesses are allowed
• If you are planning on having customers visit your home, you may need special permits.

Home Based Business Risks Can Include

• Product liability
• Professional Liability
• Injury or damage to customers
• Auto accidents
• Disability
• Cyber breach
• Property loss and damage
• Crime and dishonesty
• Cyber liability
• Web page copyright liability
• Employees or contractor’s issues

 
The key is to understand what these risks are so you can take the necessary actions to make sure that your business is protected. It’s important to carry the right commercial insurance to protect your business in case of an unforeseen event. Hire a reputable insurance provider to help you assess the potential risks and determine which types of policies meet your business needs. 

As an independent insurance agency we are affiliated with multiple industry-leading companies. It is these partnerships that allow us to provide our clients with better coverage at a competitive price. Our staff is knowledgeable and committed to providing a quality customer service experience to our valued clients.

We are prepared to help you manage all your business risks.

As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs.  Whether you're a new business or a small business, we can help. Being an Independent Agent means we are not only your agent, but we are your insurance broker as well.  We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote.

The 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.
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Ice Dam Prevention

• Perform regular maintenance on your roof and gutters.
• Keep your heating system well maintained.
• Heated cables can equalize the temperature on your roof, which can prevent unequal melting that causes ice dams.
• Protect your roof by installing water and ice shield under the shingles at the edges of your roof, chimney and skylights, and around any vents.
• Steaming away ice dams is a professional only option because it requires commercial steaming equipment that heats water and dispenses it under pressure.
• The best way to address the problem of recurring ice dams is to improve the insulation and ventilation in your attic.
• Remove snow with a long-handled roof rake.
• Seal around electrical cables and vent pipes with a fire-stop sealant.

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. 
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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).

• Reverse ceiling fan rotation
• Inspect your furnace and replace filters
• Insulate water pipes
• Turn off all outside water and sprinklers
• Clean wood stoves and chimney’s
• Install window insulators
• Store summer tools and prep winter ones
• Get a programmable thermostat
• Make sure you caulk or repair and replace any siding that is failing
• Stock up on emergency supplies
• It's always wise to provide an outside air supply for combustion appliances like gas stoves and furnaces. You may need a professional to check this for you
• Make sure your recreation vehicles get the same care as your home
• Seal cracks in windows, doors, foundations, and ducts
• Replace batteries in smoke detectors
• Clean gutters
• Add insulation where needed
• Check for leaks in gutters, windows and roofs
• Cut shrubs away from your home

Striving for High Levels of Service
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. 
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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