Do you need insurance for your boat, RV, motorcycle, or ATV?
Regardless of whether you are relaxing on your boat at the lake, traveling through the Rocky Mountains, camping with friends and family, or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.
All these activities need personal insurance to protect you against damage and other claims. Generally, we have found that we can get better coverage and pricing when we use our specialty carriers. For example, watercraft insurance has pollution coverage for fuel spills, coverage for injured water-skiers, and on-water towing coverage that homeowner’s insurance won’t provide.
RV insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV’s, and campers, while others can offer better rates for motorcycles. To properly insure your RV, you may need liability, collision, comprehensive, uninsured motorist, medical payment, and towing coverage.
All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. You may need to consider special coverage. Custom parts and equipment (ACPE)/Accessory coverage can be purchased for motorcycles less than 25 years old. You may spend thousands of dollars customizing your bike and that is why you need custom motorcycle insurance.
Your boat will need boat insurance for liability and damage to the hull and personal property. Boat insurance can include physical damage coverage, medical payments, liability, and trailer coverage.
ATV insurance is similar to motorcycle insurance. We can combine motorcycle coverage and ATV insurance into one policy for multi-vehicle discounts. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV.
Why Work With Our Insurance Agency?
Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 25 years. We take great pride in finding you the best coverage and backing it up with prompt personal service. We have been serving the Dallas/Richardson, TX area for over 25 years and have recently expanded to the Austin, Cedar Park, and Round Rock area.
Directors and Officers (D & O) Liability Update
Every business, no matter what the size, has a D & O exposure. Some people may mistakenly think that D & O risks are just for large firms, but actual court cases tell a different story. D & O claims come about because of decisions made by the firm’s officers and employees. Claims can come from employees, competitors, investors, and the government. Most of these kinds of claims are not covered under a standard commercial insurance policy.
Here are some interesting facts brought to you by the Insurance Information Institute:
If you misrepresent your company’s services, financials or other information, third parties may sue you for your actions. This can include services you say you provide on your webpage or financial information you provide to a lender.
Breach of Duty
Your firm’s officers and employees are required to carry out their duties with a standard of honesty and professionalism. If these legal duties are breached, you are subject to litigation by the injured party.
Your employees can sue the business for a variety of employment issues that can be covered under a D & O or employment practices liability policy.
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.
Spring Home Safety Tips
Spring Brings the Need for Safety
Now that the weather is changing, many of us are heading outside to have some fun or start the home improvement projects that we have been planning for all winter. However, before the outdoor fun begins, please remember to do it safely. Every year, more than 60,000 people are treated in emergency rooms for lawn-mower injuries.
Stay Safe While Having Fun
As you plan your spring activities, remember these safety tips: