A Personal Insurance Update
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As you consider buying your first or second home, it pays to have a good understanding of just what you are getting into when it comes to home ownership. Here are a few tips for you to think about before you make that move.

• If you rent now, it would be good to have renter’s insurance. Even if it for a short period, renter’s insurance can cover certain losses during the move.
• When looking for a home consider things like the distance of the house to the nearest fire station and are there fire hydrants in your neighborhood?
• Think about the age of the house as some older home can be very costly to replace.
• If you are building a house, does it make sense to install sprinklers
• Is the location in a flood zone or prone to flooding?
• Is the area in an earthquake zone?
• Check with the local police to see the crime rate of the neighborhood.
• Always have your home inspected before you commit to buy.

Don’t wait until the last minute to think about homeowner’s insurance and don’t be shy about asking for estimates on more than one house. Ask if the house will qualify, and get an estimate of the premium. Call our office, and we can help you understand how these and other items will affect your homeowner’s insurance costs.

Choosing the right coverage for your home may depend on a number of factors. You generally need enough insurance to cover the cost of rebuilding your home and replacing your personal possessions. The homeowner's policy also provides liability insurance to defend you in the event of a lawsuit.

As our name implies, we strive to make your insurance experience positive. We understand you have many options when it comes to getting personal insurance, so we are going to strive to give you first class customer service you deserve.
 

Business Insurance and Risk
Every business faces risks of various kinds. If you have employees you have the risk of employee injury. You most likely buy workers’ compensation to protect yourself from this risk. No owner or manager wants to believe that their business is exposed to great risks; however, many situations may expose your company to lawsuits, liability and substantial expenses. An unfortunate number of these situations go unnoticed by many business owners until it is too late.

Comprehensive risk management is important to the overall success of your business. Unaddressed risks may result in uninsured losses that could potentially cost your business thousands of dollars.

Some Important Business Risks to Consider

The risk of being sued by employees - There are many state and federal laws that protect worker’s rights. These include harassment, discrimination, retaliation, and civil rights. We can provide you with a quote for employment practices liability insurance that will address many of your employment risks.

The risk of lost income - If you have a loss or damage to your building you may not be able to resume operations for a period of time. Your business is at risk for lost revenues. Business income insurance can offer protection.

Cyber liability risk -  If your business accepts electronic payments, handles sensitive customer information or stores key information on the internet, you are at risk. Cyber liability insurance protects against these risks, and is an important coverage option to explore for many businesses.

We Offer a Fresh Perspective to Your Business Risks
As part of our service we can review and examine your business operations and help you identify the important business risks. Then we will design a risk and insurance program tailored to meet your needs. The goal of risk management is to protect your business from being vulnerable. Many business risk management and insurance programs focus on keeping the company viable and reducing financial 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.

​How Your Texas Business Can Better Protect Itself
A Texas Business Insurance Update
Even the best run businesses may have a loss now and then. It is important that every business owner and manager have a comprehensive business insurance program. A well-designed business insurance program will help the business get through a loss. Here are few ideas to help you make sure you have the best possible coverage your business needs.

• Make sure you combine your business policies into one “package” You will receive premium discounts for doing this.
• Every business should have a commercial umbrella policy with at least $1,000,00 of coverage.
• Review your property insurance deductibles, by increasing your deductible you may be able to lower your premium.
• Consider the flowing kinds of coverage; cyber liability, employment practices liability, and director and officer’s liability.
• Have your agent search the market for the best possible combination of coverage, price, and service.

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.