General liability insurance is often referred to as GL or business liability insurance. It is coverage that can protect your business operations from a variety of claims which could arise including bodily injury, property damage, personal injury, attorney fees and additional expenses. This coverage may be written in one of two ways- Claims-Made or Occurrence: A Claims-Made policy … [Read more...] about What is General Liability Insurance?
It is easy these days to get an insurance quote online or via phone directly with an insurance company. Social media is saturated with the ads, the apps, the phone numbers and the actors urging us to make that quick call. It’s also convenient to make a payment for or a change to a policy with an app or over the phone. But have you ever had a poor experience with a claim? Have you … [Read more...] about You Need a Local Independent Agent
Generally, auto insurance companies don’t require you to formally add your teen driver to your policy until he becomes a licensed driver. Typically, your policy will automatically cover your teen at no extra cost while driving with a learner’s permit. It is important though, to notify your car insurance provider and agent when you have a teen with a new permit. Insurance … [Read more...] about When Does Your Teen Driver Need Auto Insurance?
Those of us that deal with insurance every day take it for granted that most people understand our every-day language. Insurance is not something people really ever want to think about. Nobody likes paying their premium when renewal time rolls around. No one ever looks forward to filing a claim and dealing with an adjustor. So this blog is dedicated to some simple … [Read more...] about Insurance Talk –What Does it Mean?
Flood insurance. Spring is here, bringing rain and often times flooding. This year we’ve had an abundance of rain in Texas. We see flooding occurring all across our nation from the coast to inland locations. It can occur anywhere when water rises very quickly and without much warning. It does not only occur near rivers, lakes or streams. And it doesn’t take a … [Read more...] about Flood Insurance
Most people wear an engagement ring, wedding ring or both every day of the week. If this describes you, make sure your valuable investments are adequately protected. Below is helpful information needed for adding your rings to a homeowners or renters insurance policy, along with suggestions for keeping them safe. Determine the current value of your rings. In order to provide … [Read more...] about Should I Schedule My Engagement or Wedding Rings?
Our state is one of the most hail-prone states in the country. With the arrival of spring, our storm season is flaring up. That means we have a higher threat for severe weather and hail, which often cause serious damage and injury. Hail most often damages vehicles, but it can also damage homes … [Read more...] about Hail Season is Here!
After an auto accident occurs you may find yourself asking the question: “Should I file a claim or not?” There may be times when it’s okay not to involve your insurance company after an auto accident, but there are others when you should call your agent to file a claim: If anyone is injured in the accident – your passengers, passengers in another vehicle, a pedestrian – you should file … [Read more...] about File or Not to File a Claim