Texas Business Insurance Renewal
Your business insurance is an important part of your risk management program. It is important to have the right insurance coverage, competitive pricing and the right insurer. We have found at least five factors that are important to manage when renewing your business insurance program.
A business insurance program can include commercial property, auto, commercial liability, employment liability, workers’ compensation, professional liability and excess liability.
Insurance Renewal Tips
Provide complete information about your operation. Paint a picture that describes what you do and how well you do it. You have to sell the underwriter on what is different about your operation and how the insurance company needs to insure your risk, because you are above average.
Use an independent agent. We are best equipped to provide you with the best combination of coverage, price and service.
Combine your property, auto and liability with one insurer if possible. You will receive package discounts.
Have a well-managed safety program.
Putting a little effort into your business insurance renewal can reap rewards in the form of better coverage and lower premiums. 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 To Prepare For Holiday Home Safety
The Holidays are almost upon us, and if you have been to any department store, the sounds of Christmas are ringing out. According to the U.S. Fire Administration, over 400 homes are destroyed annually by causes related to Christmas tree fires. According to the U.S. Consumer Product Safety Commission hospital emergency rooms treat over 12,900 people each year for injuries such as falls, cuts and shocks related to holiday lights, decorations and Christmas trees. Before you put up the lights or cut down the tree, we wanted to provide you with a few safety reminders to keep you and your family safe this holiday season.
Insurance coverage made easy. When it comes to buying your insurance, you have options. You can go to a captive insurance agent, an agent that represents one company, or you can go to an independent insurance agent that represents many companies. Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is a full-service independent insurance agency representing many insurance companies. This means that we shop many different insurance companies to obtain the best rate and coverage for your insurance. We do this at no additional fee or service charge to you. Simply put, our goal is to find you the best coverage and rate for your auto, home, business, or life insurance. Whether you need a business insurance quote or an auto insurance quote, we can help. To obtain an insurance quote, click on the tab and enter your information into the form. If you have any questions along the way, please don't hesitate to contact one of our insurance agents.
Should I Read My Insurance Policy?
We know that reading an insurance policy can be tough. The insurance industry is working hard to make auto, home and business insurance policies easier to read. Most insurance policies are 40 to 60 pages, with lots of legal terms that are hard for even attorneys to understand.
But the fact remains, it is very important that you read and understand your insurance policy. To help make the task easier for you, we offer this guide.
Insurance Policy Reading Tips
Start With The “Declarations Page”
• Check all information to make sure it is correct.
• Review address, policy dates and names insured.
• Review limits to make sure they are what you ordered.
• Confirm premium information.
For Auto Policies, Check The “Vehicle Information”
• Is the correct vehicle identified?
• Verify the VIN number.
• Confirm the vehicle’s value.
• Review the list of drivers if they are identified.
The “Insuring Agreement”
This is the section where most of the key coverages will be found. Take time to review the various coverage and coverage terms.
It is very important to read this section as well. Typical examples of excluded perils under a homeowner’s policy are flood, earthquake, and wear and tear. A typical example of an excluded loss under an automobile policy is damage due to wear and tear. Business insurance exclusions can include employment liability, cyber liability, and criminal acts.
Every policy should include a Definitions Section to provide an explanation of certain language.
We are your trusted partner. Call us to help you better understand your policy. We can help explain what is in your policy and more importantly, help make sure that you are appropriately protected for the future.
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.