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It is that time of year in the great state of Texas, when we reach those hot summer months and it’s important to remember to take some extra precautions, especially if working outdoors. Did you know that between the years of 1992-2016 36% of all heat related deaths were of construction workers, even though they only make up about 6% of the U.S.’ total workforce?  Also, about half of heat … [Read more...] about Summer Safety for Employers & Employees

We often hear this question: Is it okay to use my personal vehicle for my business?  Most auto insurance policies exclude driving a personal auto for business purposes.  Yes, you can still do it, but in the case of a loss or accident, many companies will deny the claim and cancel your policy if they discover how you are using your vehicle.  The use of your vehicle is important to the … [Read more...] about What Everyone Needs to Know About Personal Auto Insurance

Builders Risk insurance is a specially designed policy that will provide coverage for a residential or commercial building during the construction process, including new construction, remodeling, or installations.  These polices provide protection for the insured’s interest in materials, fixtures, and/or equipment waiting for installation should these items suffer a physical loss or damage … [Read more...] about Builders Risk Insurance

Currently, only two states have boat insurance laws—Arkansas and Utah, but not Texas.  However, you may still need insurance if you are financing your boat or docking it at a marina.  If you are financing, most lienholders require you to carry comprehensive and collision coverage.  In addition, if you plan to dock your boat, some marinas will require you to show proof of liability … [Read more...] about Do I Need Boat Insurance in Texas?

Texas weather is warming up and events are starting up again!  Are you planning a special event of your own?  We know how important it is for your event to go smoothly for you and your guests so everyone can just enjoy the occasion.  Whether it be a wedding, birthday, graduation party or a business luncheon you want to make sure you are prepared for the unexpected mishaps that could … [Read more...] about Hosting or Planning a Special Event?

Every now and then we come across this question: “If I own my home and decide to relocate, can I rent my house instead of selling it?”  Of course, the answer is yes.  But there are several things to consider before making this move.  A homeowner policy should be in place on your home while you are living there, but this type of policy will not protect you from a tenant’s … [Read more...] about Wanting To Rent Your Home, You’ll Need Landlord Insurance.

The biggest investment most people will ever make is in a home, so it makes sense to protect that home with a policy that is specific to your needs.  When we work on a quote for customers, we discuss your home and ask a lot of questions as we gather information regarding the following: The Dwelling - This refers to the structure on the residence premises that is listed in the … [Read more...] about Things You Need To Know About Your Home Insurance Policy

An unrelenting winter storm has brought subzero temperatures and multiple power outages to most Texas households this week and many are dealing with frozen pipes.  Despite precautions taken by homeowners to insulate and wrap pipes and keep them dripping to avoid freezing, these efforts don’t actually work if the electricity and/or water is shut off to a home due to power outages.  This … [Read more...] about Subzero Temperatures, Power Outages and Frozen Pipes in Texas