After months of shelter-in-place orders, closed doors, reduced capacity, loss of sales, etc., business owners are facing the hard reality and long-lasting impacts of COVID-19. If you own a business, it is important to know how business insurance currently responds to COVID-19 related issues. The business interruption (BI) feature of a property insurance policy responds when a business is … [Read more...] about Business Insurance Response to COVID-19 Related Issues
I watched a pre-recorded high school valedictorian speech this week written by a young man whose senior year had suddenly shifted from the expected to the unexpected. As I listened to some wise advice given by this 18-year old, I thought about how many times in life we are forced to shift to Plan B. The Class of 2020 end-of-year looks much different than our graduates … [Read more...] about Plan B – Well Done, Class of 2020
Due to the uncertainty and financial challenges facing our nation due to COVID-19, many of the companies we represent are offering financial assistance to their customers, such as: Extended payment due dates or waived late chargesPaused cancellations due to non-paymentMore flexible payment options and grace periodsDelivery coverage expansion for auto policiesRefunds of premium Here, however, … [Read more...] about COVID-19 and Your Insurance Payment
Covid-19. The VIRUS. The Pandemic. News and social media sites introduce a new piece of information, it seems, every time we tune in, turn on or log in. Information changes by the hour. Fears are abundant and the near future, job security, the economy, our individual health are all uncertain - a mystery. I am at a loss to understand the complexity of it … [Read more...] about Be Well…
Sometimes, it is hard for an older person to realize that he or she is no longer a safe driver. Recently, as I was leaving a grocery store parking lot, I followed an elderly lady onto one of Denton’s heavily trafficked streets. As I watched her navigate in front of me, she failed to stay within her lane, unaware that as the road curved so did the lines which identified the lanes. … [Read more...] about When Am I Too Old to Drive?
A new year often means thinking about cleaning out, cleaning up, welcoming change and saying good-bye. It’s a great time to check in with your agent if you’ve made any changes which might require an insurance update. The holidays bring gifts. Did you receive an item which needs to be added to your schedule? Maybe you gifted or sold an item which can be deleted from your … [Read more...] about New Year Check Up – It’s a Great Time
In the past, some Texas insurance companies have been allowed to incorporate driver exclusions in their liability policies. That means that the insurance policy could exclude any driver from coverage and basically render the insurance policy inapplicable when the insurance policy did not specifically name the driver involved in the automobile wreck. We’ve never issued these types of policies in … [Read more...] about No More Named Driver Policies
In honor of our wonderful customers, this year we made our annual non-profit donation to First Refuge Ministries in Sanger. This group’s mission is to be a beacon of hope to the community of Sanger. They provide a food pantry, counseling, and a medical clinic, believing that every person has worth and value. We agree with them and believe that this kind of gift is one that keeps … [Read more...] about First Refuge Ministries